The Flexible Savings and Investments Plan allows you to participate in a range of HSBC Life Assurance (Malta) Ltd Unit-Linked funds denominated in euro, based on local and foreign bond and equity investments.
The Unit-Linked funds, offered by HSBC Life Assurance (Malta) Ltd are backed by underlying assets held in a range of currencies. The underlying assets are managed by local and foreign fund managers with a history of professional investment management. The range of funds available has been selected to provide a wide choice and caters for people of various ages, risk preferences and for different market conditions.
You will be able to structure your portfolio of investments in order to balance growth and risk according to your personal preferences.
Investment with potential
Our Flexible Savings and Investments Plan will give you the opportunity to potentially grow your investment through a mix of equity and bond based investment Funds. This could be used to create capital for your children’s studies or their professional establishment or so you can simply receive a lump sum payment when the time comes.
A selection of underlying funds
Explore a wide range of Unit-Linked funds through a number of local and international investment opportunities based on bond and equity investments.
You may also select from a choice of 3 risk-graded strategic in-house funds to suit your attitude, giving you access to the research, skills and experience of several expert investment managers.
You may choose to invest your premium in a maximum of five (5) funds at any time with a minimum allocation of 20% in any one fund.
The freedom to pursue your own investment strategy according to your needs, with the flexibility to switch between the various funds whenever you wish, allowing you to react to market developments. The first two switches in any calendar year are free of charge.
You will also have the ability to surrender the plan any time. Plan surrender charges only apply in the first five (5) years.
Optional additional deposits
Give your future plans a boost any time you want by making additional, unscheduled deposits or by increasing your premium.
Additional Protection available on the FSIP Regular Option
The Flexible Savings and Investments Plan – FSIP Regular Option offers you a choice of additional life assurance and disability benefits to protect yourself, your spouse/partner and your dependants.
Further details can be found in the product brochure (PDF, 405Kb).
Costs & charges
For all information relating to cost and charges, please read the Key Features (PDF, 161Kb) document.
Are you eligible?
*Terms & conditions apply. Should policy be surrendered in the first 5 years a surrender fee will apply.
How it works
An HSBC Financial Adviser or your Premier Relationship Manager can walk you through the process of selecting the underlying funds in a way that fits both your investment goals and the level of risk you are most comfortable with.
To find out about getting investment advice from HSBC, please visit our Wealth Management section.
Frequently asked questions
How do I decide on my appetite for risk?
What is a portfolio?
What is diversification?
What is an asset or asset class?
How is the risk level maintained?
If you are not sure about investing in this product or which level of risk is appropriate for you, please seek financial advice.
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.
Further information including the general risk factors of each underlying fund can be found in the prospectus, the Key Investor Information Document and most recent financial statements of each undelrying fund, which can be obtained through this website or upon request, free of charge, from HSBC Life Assurance (Malta) Ltd. or HSBC Bank Malta p.l.c.
This information is not to be construed as investment advice. It is important that you read this information in conjunction with the Brochure, Key Features Document, Policy Terms & Conditions , Proposal Form and the Policy Schedule.
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