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At HSBC we help you choose the best solutions that fit your life. If you concentrate on your goals, save and invest regularly, you may see more than your money grow. Today’s dreams may become tomorrow’s reality.

lifePlan is HSBC’s investment savings plan. A simple, flexible and effortless way of saving and investing. With lifePlan, you don’t have to save a large lump sum to meet an initial investment amount. For a minimum of $100 a month you can gain access to our flagship fund range, the HSBC World Selection Portfolios, and start saving toward your goals.

Saving vs. investing your money

The challenge with savings accounts
With interest rates at all-time lows, a savings account is not as attractive as it used to be. When you take into account how inflation can eat into the value of your money, you need to think about how you can maintain its purchasing power over the long-term. In a savings account, your money might be protected but chances are it won’t buy as much in ten years’ time as it will today. As you look further ahead to your retirement years, the impact of inflation on your savings could become even more significant.

The alternative
If you are able to put aside money monthly for three years or more, then one route to potential growth could be to invest it. Investing could bring a much greater potential for growth than a savings account, but carries with it the risk that you could get back less than you invested.


What's your life plan?

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Start investing earlier and regularly

To finish further ahead
Regular investing puts the power of compound growth on your side and the earlier you start, the more you may have.

Invest regularly
It makes saving easier by adding discipline to your regular savings plan. Additionally, by investing regularly and buying investment shares in fixed dollar amounts each month, you purchase more shares when the price is low and fewer shares when the price is high, lowering the average cost per share over time in a fluctuating market.

Saving and investing your money both have their place in a financial plan and an HSBC Wealth Specialist or Premier Relationship Manager can help you develop your strategy.

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The value of investments and any income they generate can go down as well as up, meaning you may not get back the full amount you invested. Past performance is not indicative of future performance.

These products and services are offered only in jurisdictions where and when they may be lawfully offered by HSBC Bank Bermuda Limited and the material on these pages is not intended for use by persons located in or resident in jurisdictions which restrict the distribution of this material by us. Persons accessing these pages are required to inform themselves about and observe any relevant restrictions. These pages should not be regarded as an offer or solicitation to sell investments or make deposits in any jurisdiction to any person to whom it is unlawful to make such an invitation or solicitation in such jurisdictions. This information is not intended to provide professional advice and should not be relied upon in that regard. Persons accessing these pages are advised to obtain appropriate professional advice where necessary.

Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. HSBC Global Asset Management (Bermuda) Limited of 37 Front Street, Hamilton, Bermuda, is a wholly owned subsidiary of HSBC Bank Bermuda Limited. Funds managed by HSBC Global Asset Management (Bermuda) Limited are offered by prospectus only in those jurisdictions where they are permitted by law. HSBC Global Asset Management (Bermuda) Limited makes no representation as to the suitability of the funds for investors. HSBC Global Asset Management (Bermuda) Limited is licensed to conduct investment business by the Bermuda Monetary Authority.

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Issued by HSBC Bank Bermuda Limited, of 37 Front Street, Hamilton Bermuda, which is licensed to conduct Banking and Investment Business by the Bermuda Monetary Authority. The Site is primarily intended for those who access it from within Bermuda. Because of this, we cannot guarantee that the Site or the information thereon complies with law or regulation of other countries, or is appropriate for use, in other places. You are wholly responsible for use of the Site by any person using your computer and you must ensure that any such person complies with these Terms. The information provided on this Site is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to law or regulation. This Site should not be considered as communicating any invitation or inducement to engage in banking of investment activity or any offer to buy or sell any securities or other instruments outside Bermuda.