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    Wealth management and protection

    How to begin with wealth management journey? Start your wealth management journey with our diverse investment products and user-friendly platforms. Investment 101 content for amateur investors gives you full support to take one step forward. Plus our full range of protection products to help you prepare for the unexpected.

    Build your wealth

    Build your wealth

    We’ve got you covered with a full range of investment options, from securities to a range of investment funds.

    Investment products

    With our Hang Seng Invest Express mobile app ("Invest Express"), you can view real-time stock quotes and simply trade Hong Kong stocks, A-shares and US stocks with HKD0 brokerage[1]. Learn more about “Invest Express”

    A brand new one-stop fund investment experience. Through the simple, easy-to-use and flexible fund trading platform, you can invest in funds at a minimum of HKD1 and enjoy as low as HKD0 monthly fee. Learn more about SimplyFund

    Get insights on how to allocate your assets and diversify your investments with Wealth Master portfolio analysis tool via Hang Seng Mobile App. You can use Wealth Master to:

    • View your asset allocation details
    • Compare your portfolio with a reference portfolio that matches your risk tolerance level
    • Learn how to effectively allocate your assets and diversify them to reduce risk
    “My Investment”

    A user-friendly investment platform with basic concepts. "My Investment" in Hang Seng Mobile App is your best partner in wealth management journey. Our clear and insightful Investment 101 equips you to take the first step towards investment. Learn more about "My Investment".

    SmartInvest

    SmartInvest offers an overview of our investment products to help you choose what’s best for you. Learn more about SmartInvest

    Comprehensive Protection

    We’ve got your back. The right protection will ensure a smooth life journey. Whether you want to grow your wealth or get medical and critical illness coverage, our wide range of protection products can meet your needs at different life stages. Learn more about insurance products

    Insurance products

    A host of multiple personal general insurance plans available online, including Travel insurance, Home Care Plus Home Insurance, Personal Accident Insurance to protect you, your family and assets.

    We partnered with HSBC Life (International) Limited to roll out the Vital Care Voluntary Health Insurance Flexi Plan. Apart from providing you with all-round medical coverage, this plan offers the Medical Concierge Service, you can call the hotline and get the support you need. The services include answering your health enquiries, helping you with medical appointments, getting pre-authorisation for hospital admission and submitting claims for reimbursement.

    Benefits at a glance

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    Footnote

    Risk disclosure and other point(s) to note

    1. Securities Services
      Investments involve risks. The prices of securities fluctuate, sometimes dramatically. The price of a security may move up or down, and may become valueless. It is as likely that losses will be incurred rather than profit made as a result of buying and selling securities.
      Investors should note that investing in different Renminbi-denominated securities and products involves different risks (including but are not limited to currency risk, exchange rate risk, credit risk of issuer / counterparty, interest rate risk, liquidity risk (where appropriate)). The key risks of investing in securities via the Stock Connect Northbound Trading include:
      • Once the respective quota is used up, trading will be affected or will be suspended.
      • Stock Connect Northbound Trading will only operate on days when both markets are open for trading and when banks in both markets are open on the corresponding settlement days. Investors should take note of the days the Stock Connect Northbound Trading is open for business and decide according to their own risk tolerance whether or not to take on the risk of price fluctuations in securities during the time when Stock Connect Northbound Trading is not trading.
      • When a security is recalled from the scope of eligible securities for trading via Stock Connect Northbound Trading, that security can only be sold but NOT bought.
      • Investors will be exposed to currency risk if conversion of the local currency into RMB is required.
      Foreign securities carry additional risks not generally associated with securities in the domestic market. The value or income (if any) of foreign securities may be more volatile and could be adversely affected by changes in many factors. Client assets received or held by the licensed or registered person outside Hong Kong are subject to the applicable laws and regulations of the relevant overseas jurisdiction which may be different from the Securities and Futures Ordinance (Cap.571) and the rules made thereunder. Consequently, such client assets may not enjoy the same protection as that conferred on client assets received or held in Hong Kong.
      Foreign exchange involves exchange rate risk. Fluctuations in the exchange rate of a foreign currency may result in gains or losses in the event that the customer converts HKD to foreign currency or vice versa.
      Renminbi ("RMB") is subject to exchange rate risk. Fluctuation in the exchange rate of RMB may result in losses in the event that the customer subsequently converts RMB into another currency (including Hong Kong Dollars). Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate. RMB is currently not freely convertible and conversion of RMB may be subject to certain policy, regulatory requirements and/or restrictions (which are subject to changes from time to time without notice). The actual conversion arrangement will depend on the policy, regulatory requirements and/or restrictions prevailing at the relevant time.
      Investors should not only base on this material alone to make any investment decision, but should read in detail in the relevant risk disclosure statements.
    2. SimplyFund
      Investors should note that all investments involve risks (including the possibility of loss of the capital invested), prices or value of investment fund units may go up as well as down and past performance information presented is not indicative of future performance. Investors should read carefully and understand the relevant offering documents of the investment funds (including the fund details and full text of the risk factors stated therein) and the Notice to Customers for Fund Investing before making any investment decision. Investment funds are investment products and some may involve derivatives. Investors should carefully consider their own circumstances whether an investment is suitable for them in view of their own investment objectives, investment experience, preferred investment tenor, financial situation, risk tolerance abilities, tax implications and other needs, etc., and should understand the nature, terms and risks of the investment products. Investors should obtain independent professional advice if they have concerns about their investment.
      Not all of the investment funds that are distributed by Hang Seng Bank Limited (the “Bank”) are available here. Only specific funds are available for subscription with this account. If you are looking for other investment funds or investment products, please visit our branches or our websites for more information.
      In respect of the investment funds available for subscription with this account at the moment, they are provided either by the Bank’s wholly owned subsidiary, Hang Seng Investment Management Limited, or by the Bank’s affiliates HSBC Global Asset Management (Hong Kong) Limited.
    3. Insurance Products
      • General Insurance
        The above general insurance plan ("this Plan") is underwritten by Chubb Insurance Hong Kong Limited (“Chubb”) which is authorised and regulated in Hong Kong SAR by the Insurance Authority. Chubb reserves the right of final approval of the policy issuance. Hang Seng Bank Limited ("Hang Seng Bank") is registered as an insurance agency by the Insurance Authority (License No.: FA3168) and authorised by Chubb for distribution of this Plan. This Plan is a product of Chubb and not Hang Seng Bank. Upon application to this Plan, insurance premium will be payable to Chubb, and Chubb will provide Hang Seng Bank with commission and performance bonus as remuneration for distribution of this Plan. The existing staff remuneration policy on sales offered by Hang Seng Bank takes into account various aspects of the staff performance instead of focusing solely on the sales amount.
        In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the contractual terms of the insurance product, underwriting, claims and policy service should be resolved directly between Chubb and the customer.
        The above information is intended to be a general summary for reference only. Please refer to the policy wording for exact terms, conditions and details of the exclusions.
      • Life Protection
        Hang Seng Bank Limited (“Hang Seng Bank”) is an insurance agent authorized by Hang Seng Insurance Company Limited (“Hang Seng Insurance”) and the product is a product of Hang Seng Insurance but not Hang Seng Bank; and in respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and you out of the selling process or processing of the related insurance product transaction, Hang Seng Bank will enter into a Financial Dispute Resolution Scheme process with you; however any dispute over the contractual terms of the insurance products should be resolved between Hang Seng Insurance and you directly
      • Medical Insurance
        Vital Care Voluntary Health Insurance Flexi Plan (No. F00076) is underwritten by HSBC Life (International) Limited ("HSBC Life"), which is authorised and regulated by the Insurance Authority in Hong Kong. This plan is certified under the Voluntary Health Insurance Scheme by the Health Bureau of Hong Kong. Hang Seng Bank Limited ("Hang Seng Bank") is an insurance agency authorised by HSBC Life for the distribution of the above plans. Subscriptions will be payable to HSBC Life upon enrolment in the above plan. HSBC Life will provide Hang Seng Bank with the relevant commission and performance bonus in accordance with the selling of the above plan. The existing sales staff remuneration policy offered by Hang Seng Bank will take into account various aspects of the staff performance but not solely the sales amount. Medical Concierge Service is provided by HSBC Life. In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between Hang Seng Bank and the customer out of the selling process or processing of the related transaction, Hang Seng Bank is required to enter into a Financial Dispute Resolution Scheme process with the customer; however, any dispute over the policy terms or performance (claims and service) of the product should be resolved directly between HSBC Life and the customer. The above information is a product summary for reference only. Please refer to the policy for detailed coverage, general exclusions, terms and conditions.
    4. Please read Hang Seng Preferred Terms and Conditions.
    5. Hang Seng has never authorised any intermediaries for local account openings. While opening your Hang Seng personal account, please do not share your information with third parties, or engage with any intermediaries. Contact our branch in case of any queries.

    Remark(s)

    1. Please visit Latest Promotion of Securities for the offer terms and conditions.