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HSBC Responsible Investment Fund Range

Socially Responsible Investment (SRI)* approach

Why choose HSBC Responsible Investment Funds?

Easy to invest

  • Choose from 3 portfolios

  • Available in Euro

  • Top up or withdraw funds depending on your needs

  • Follow your investments via your online banking

Professionally managed

  • Each portfolio contains a different mix of geographic diversification and asset classes to multiply sources of performance and mitigate risks from movements in any one market.

Are you eligible?

You can invest in the HSBC Responsible Investment Fund range if:

  • you have €5,000 or more to invest
  • you are an HSBC Bank Malta plc. customer
  • you are at least 18 years old

*SRI is an investment approach that aims to combine economic performance with social and environmental impact by financing companies that contribute to sustainable development in all business sectors.

The SRI label is awarded following a strict certification process led by independent bodies and forms a single indicator for savers looking to participate in a more sustainable economy. By influencing corporate governance and behaviour, SRI promotes responsible business practices.

How it works

Environmental, Social and Governance (ESG) approach

The investment approach is to select the companies with the best environmental, social and governance practice in each business sector. Companies doing business in the tobacco and arms sectors and those in breach of one or more of the UN Global Compact principles are excluded.

 

More on HSBC’s expertise

Proven stock-picking investment strategy and SRI expertise grounded in the quality of our research and dedicated global platform. More than 15 years’ experience in SRI fund management.

Geographic diversifications and asset classes to multiply sources of performance and mitigate risks from movements in any one market.

 

Direct access to our management team

Our fund managers are based in Paris and have extensive experience managing multi-asset mutual funds and providing wealth solutions. The team is small, which facilitates decision-making and reactivity. Plus, the team's fund managers are able to draw on the resources of HSBC Group expertise in research, analysis and risk management.

An HSBC Financial Advisor or your Premier Relationship Manager can walk you through the process of selecting the portfolio that fits both your investment goals and the level of risk you are most comfortable with. 

If you’re not sure about investing or which level of risk is appropriate for you, please seek financial advice. To find out more about investment advice from HSBC, please see our Wealth Management information page.

Choosing the right portfolio for you

Click through the descriptions below to help you decide which of the HSBC Responsible Investment Fund might be right for you.

Investment objective

  • To maximise the subfund's performance, based on an investment with moderate exposure to equity market risk over a recommended investment timeframe of at least three years.
  • To invest in corporate or government bonds chosen for their good environmental, social and governance practices and for their financial quality.
  • The long-term strategic allocation consists of 30% equities and 70% international bonds, with a euro bias.

A low risk portfolio

This portfolio is classified by HSBC as ‘low risk’. It’s rated as 2, where 1 is a lower level of risk and 5 is a higher level of risk. The lowest category does not mean a risk-free investment.

The base currency of the HSBC Responsible Investment Fund Range is Euro.

The HSBC RIF Moderate targets a low level of investment risk by investing in assets whose values are likely to fluctuate by less than that of a higher-risk fund. Over time, these types of assets may produce better returns than cash based investments with the aim of keeping pace with inflation. Low risk products can fall in value to below the amount you invest, it should be viewed as something to stay in for at least 5 years.

Fund costs

To find out all information relating to cost and charges, read the Fact sheet and Key Investor Information document (KIID).

Book an appointment

Set up an appointment with one of our financial planning team.

Questions you may have

Risk Warnings

The value of the investment can go down as well as up and capital is at risk. Past performance is not a guarantee for future performance.

Currency fluctuations may affect the value of the investment.

If you invest in this Product you may lose some or all of the money you invest.

This Product may be affected by changes in currency exchange rates.

Further information including the general risk factors of each fund can be found in the prospectus, the Key Investor Information Document and most recent financial statements, which can be obtained through the HSBC asset management website or upon request and free of charge, from HSBC Global Asset Management (Malta) Ltd. or HSBC Bank Malta p.l.c. The HSBC RIF Fund range is manufactured by HSBC Global Asset Management (France) with registered address Immeuble Coeur Défense - 110, esplanade du Général de Gaulle - La Défense 4 - France. The HSBC RIF Funds are distributed to investors in Malta through HSBC Bank Malta p.l.c.

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Take our simple questionnaire to identify your sensitivity to risk.

Approved and issued by HSBC Bank Malta p.l.c, (116, Archbishop Street, Valletta VLT 1444). HSBC is a public limited company regulated by the Malta Financial Services Authority and licensed to carry out the business of banking in terms of the Banking Act (Cap.371 of the Laws of Malta). HSBC is licensed to conduct investment services in terms of the Investment Services Act (Cap.370. of the Laws of Malta) and is enrolled as a Tied Insurance Intermediary for HSBC Life Assurance (Malta) Ltd under the Insurance Distribution Act (Cap. 487 of the Laws of Malta).

 

Disclaimer

 

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