Premier Elite customers gain access to wealth solutions spanning unit trusts, structured products, bonds, securities, ETFs, and margin trading
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As AI breaks out of chatbots and into what is now called Physical AI, investors need to rethink how portfolios should be built, protected and put to work. Growth opportunities are being created across tech, mobility, consumer electronics and connected living, while market volatility, geopolitical risk and changing rate expectations continue to test investment decisions.
It is against this growing complexity and convergence of technology, markets and investor needs that HSBC sees a need for a comprehensive range of solutions that can help affluent clients capture long-term opportunities, without becoming overexposed to a single sector, market or theme.
HSBC Premier Elite customers can use a range of investment vehicles and tools, including unit trusts and structured products to bonds, securities, margin trading and ETFs, to diversify, generate income, manage volatility and respond to potential market opportunities across different risk-return profiles.
That thinking was reinforced at the HSBC Wealth Investment Summit 2026, where discussions on AI, mobility, market swings and portfolio resilience showed why insight needs to be matched with implementation.
For investors seeking diversified exposure, unit trusts can serve as a core building block. HSBC’s unit trusts service is the most used by Hong Kong customers1 and gives clients access to professionally managed strategies across markets, sectors and asset classes. This is particularly relevant as AI-related growth spreads across several industries at once. In her opening address, Winnie Ng, Managing Director and Head of Wealth and Premier Solutions, Retail Banking and Wealth, Hong Kong., said AI was accelerating from concept to commercial reality and had become a major investment theme for global markets in 2026.
“As market volatility becomes the norm, investors need multi-asset and cross-regional allocation to improve portfolio resilience,” said Ng. “Combining global perspectives with market access, HSBC helps clients focus on three key investment opportunities: AI and the chip industry, high-quality value companies and real assets such as infrastructure and gold, as their trusted long-term partner.”
Premier Elite professional investors may also access private banking-level investment options, including open-ended private market funds and hedge funds, subject to suitability, eligibility and risk appetite. These options can be used to complement listed-market investments and provide access to alternative strategies that may suit clients with more sophisticated wealth planning needs.
For those who want to take part in market opportunities with a more defined payoff profile, structured products are one viable option. HSBC offers Hong Kong’s widest selection of Equity Linked Investments (ELI) and Structured Notes. With our new product customisation feature on HSBC HK App, you can build portfolios tailored to your market views and investment goals. Capture the opportunity to earn potential returns up to 20%2 p.a., giving you greater control over your investments.
HSBC’s structured product range includes equity-linked investments and structured notes, with more than 250 underlying HK and US-listed securities, as well as currencies and interest rates. The bank also offers private placement notes to dedicated Premier Elite customers and Professional investors.
Structured products may be considered when investors want to seek potential income or take part in further gains while setting desired terms. Capital-protected solutions can help investors who have already profited from AI-related equities retain some participation in future upside while protecting capital at maturity, subject to issuer risk and product terms. Fixed coupon solutions may appeal to clients seeking regular income while setting a lower entry level for the underlying shares.
For more risk-averse investors seeking income and resilience, bonds remain a core building block. HSBC offers more than 1,200 bond choices across 10 currencies3, including online trading in UK gilts and German Bunds during Asian hours with real-time pricing and execution. Subscribe directly to high-quality, investment-grade government bonds with an investment amount as low as HKD5,000, and you may enjoy potential annualised returns of up to 5.45%4, earning interest income. That access gives investors more choice when considering duration, currency, credit quality and yield. Bonds can be used in addition to unit trusts and structured products to create a more balanced portfolio. This was a recurring point during the summit’s investment sessions, where market specialists discussed the need to spread capital across regions, sectors and asset classes as investors deal with geopolitical risks, changing policy expectations and sharp market swings.
For active investors, HSBC Easy Invest gives clients access to Hong Kong, US and China A stock markets, as well as market data and trading features. HSBC Top Trader Club offers benefits such as access to HSBC Global Research, brokerage arrangements as low as 0.01 per cent and preferential offers, subject to terms and conditions. Margin trading can also help eligible Premier Elite customers unlock liquidity from existing holdings and act on potential market opportunities with margin trading rates as low as 2.60% per annum5, subject to relevant conditions. Such solutions should be used with care, as borrowing to invest can magnify losses as well as gains. Investors should consider whether they can repay before using leverage.
For investors favouring more passive or index-based strategies, ETFs provide another way to diversify and position portfolios. The summit marked the launch of the HSBC ETF Intelligence Academy, an investor education initiative designed to help clients better understand the role of ETFs in portfolio construction. The summit’s technology sessions added context to these wealth needs. Xiaomi Group CFO Alain Lam discussed AI, data demand and changing consumer expectations, using Xiaomi’s ecosystem across devices, mobility and connected living as an example of technology spreading into industries once dominated by specialist incumbents.
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Remarks
- Mutual Funds/Unit Trusts, excluding funds invested by MPF/ORSO. According to online survey result conducted by Ipsos in 2025 based on 1,279 Hong Kong citizens. Data based on retail banks in Hong Kong.
- The coupon is the only return, is not guaranteed and is not available for all ELIs. 20% p.a. is the maximum coupon rate observed for selected Fixed Coupon ELIs as at 24 Jun 2026.
- According to the bond lists publicized online by major retail banks in Hong Kong, as of 9 April 2026.
- As of 14 Jul 2026.
- To borrow or not to borrow? Borrow only if you can repay. As of 19 May 2026, the margin lending rate is linked to the one-month Hong Kong Interbank Offered Rate (HIBOR). This is the rate set for a 1-month period for HKD, as quoted by The Hong Kong Association of Banks on the relevant date. Margin trading is also referred as 'leveraged trading' in the Wealth Portfolio Lending Product Factsheet.
The info above does not constitute an offer, solicitation & recommendation for the purchase or sale of any investment products.
Investment involves risks. This information and offers are intended for persons in Hong Kong only. Terms and conditions apply. For details, please visit the HSBC Hong Kong website.