HSBC composite products

New family of HSBC's composite products will be your perfect solution!

HSBC's composite products are a convenient combination of reliable savings in a leading global bank and efficient management of your investments by leading managing companies.

Efficiency is achieved because these products are a combination of well-known investment tools: deposits and mutual funds. You choose proportions and make your own choice of the return level and acceptable risk.

How to become an investor?

1. You visit any of the Bank's branches in Moscow or St Petersburg.
   
   For your convenience we suggest that you first arrange a meeting with our Bank's employee at any time of your choice
2. With a qualified expert at our branch you build your investment profile by answering several simple questions on a list
   
   Depending on your formed investment profile (conservative to high risk) you will be offered the most appropriate combination of investments in deposits and mutual funds.
3. You invest your money in accordance with your investment profile at our Bank's branch.

How your money is invested

Let's presume that you are ready to invest 1 mln rubles.
In such case you will be offered to invest 500 000 rubles in mutual funds and the other 500 000 rubles in a deposit with increased interest rate.

See currently valid rates (PDF, 46KB)

How does your money work for you?

If you invest in a 3-month deposit at 8% per annum, your 500 000 rubles will add the accrued interest (of about 10 000 rubles) and grow to 510 000 rubles at maturity.

As your deposit matures we recommend increasing the amount of your investment portfolio and making a deposit at the same time, investing your extra savings on better terms.

For your convenience you can use the Internet Bank and sign up for standing order service. This will allow you to save time and you will not have to travel to the Bank's branches.

During the whole investment period you will be able to receive any required information about your investment portfolio from our Bank's employees.

Assets invested in HSBC composite products are included in average monthly balance.