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Investment calculator

HSBC UK Wealth Investment calculator

Use our calculator to see how the value of an investment could change under different market conditions.

Enter how much you’d like to start investing with and how much you can add each month. Then, choose an investment risk level. The calculator will then show you how the value of the investment could change over time, depending on the market performance.

Our investment calculator can help you to:

see the potential value of an investment by the time you stop investing understand how different market conditions could affect the value of the investment understand how the value of an investment could change with different levels of risk.
Error

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Possible Investment values when you stop monthly contributions Good market conditions - Intermediate market conditions - Poor market conditions - Good market conditions Intermediate market conditions Poor market conditions Possible Investment values when you stop monthly contributions - - -

Based on the information you've entered, the graph above shows how the value of your investment could change in 3 different market conditions.

The table above shows what the value of your investment could be when you've said you'll stop adding monthly contributions to your investment.

The graph and table above are just illustrations of future performance and therefore are not reliable indicators of actual future performance.

How did we calculate this? Opens in overlay

How did we calculate this?

We’ve used information you’ve provided, combined with assumptions made by HSBC, to illustrate whether funds you are prepared to invest are enough to achieve your financial goals.

It's important to understand that the figures shown are indicative only and aren't guaranteed as the maximum and minimum amounts that your investment could achieve. The projected future performance of your investment shown in this illustration isn't a guarantee of the actual performance.

There's also a chance that the investments may underperform in the 'poor market conditions' represented in this illustration. This may indicate a potentially negative return and in a worst case scenario, it’s possible to lose the entire investment.

Our assumptions

Growth Rate

The initial results are based on an assumed growth rate associated with the risk level you've chosen and don't include the impact of any fees or taxes. The effect of any commissions, fees and charges would be to reduce the overall return you see on any investment. Investments with greater risk usually have a higher potential for gains or losses. Whereas less risky investments usually offer more stability and a lower return.

Market conditions

Three market conditions are displayed on the graph are; 'Poor', 'Intermediate' and 'Good.' ‘Poor' is the 5th percentile, 'Intermediate' is the 50th percentile and 'Good' is the 95th percentile.

Risk level

Very Low - you're generally comfortable with achieving a very low level of return potential on your investment coupled with a very low level of risk of investment loss.

Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low, although this is not guaranteed, and you are comfortable with this level of fluctuation. This applies to investment products with risk rating of 1.

Low - you're generally comfortable with achieving a low level of return potential on your investment coupled with a low level of risk of investment loss.

Capital values of products that are potentially suitable for you can fluctuate and may fall below your original investment. In normal market conditions fluctuation is expected to be low, although this is not guaranteed, and you are comfortable with this level of fluctuation. This applies to investment products with risk rating of 2.

Balanced - you're generally comfortable with achieving a moderate level of return potential on your investment coupled with a moderate level of risk of investment loss.

Capital values of products can fluctuate and may fall below your original investment. Fluctuation is expected to be higher than products that are suitable for investors in lower risk tolerance categories, but not as much as for higher risk tolerance categories.

This applies to investment products with risk rating of 3.

High - you're generally comfortable with achieving a high level of return potential on your investment coupled with high level of risk of investment loss.

Capital values of products can fluctuate significantly and may fall quite substantially below your original investment. You understand the relationship between investment risk and reward, and are comfortable with this level of fluctuation.

This applies to investment products with risk rating of 4.

Very High - you're generally comfortable with maximizing your return potential on investment coupled with maximized risk of investment loss. Capital values of products can fluctuate widely and may fall substantially below your original investment.

You understand the relationship between investment risk and reward, and are comfortable with this level of fluctuation. This applies to investment products with risk rating of 5.

Your regular contributions
We've assumed that any regular investments will remain constant over the contribution period, regardless of inflation. For example, if you start off at £1,000 per month, you will continue adding £1,000 per month for each year that contributions are made.

Figures shown in the graph/table

To illustrate the uncertainty of returns, we show a range of potential outcomes for the risk level you selected. However this isn’t guaranteed, and the value of the investments can be higher or lower than the ranges illustrated.

Negative returns are possible and the entire investment could be lost.

Please note that all the returns shown in the table are future values, rounded down to 3 significant figures.

Close modal Close Discover ways you can invest Loading Select currency GBP How many years would you like to invest for? How much would you like to start investing with? How much money could you invest each month? Choose your investment risk level Very low Low Medium High Very High What do we mean by risk level ? Opens in overlay

What do we mean by risk level

Tell us how you feel about risk by selecting one of the options.

Very low - you're generally comfortable with achieving a very low level of potential return on your investment coupled with a very low risk of investment loss.

Low - you're generally comfortable with achieving a low level of potential return on your investment coupled with a low level risk of investment loss.

Balanced - you're generally comfortable with achieving a moderate level of potential return on your investment coupled with a moderate risk of investment loss.

High - you're generally comfortable with achieving a high level of potential return on your investment coupled with high risk of investment loss.

Very High - you're generally comfortable with achieving a very high level of potential return on investment coupled with very high risk of investment loss.

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Important information

If you choose to invest, please be aware that the value of investments, and any income from them, could go down as well as up, and you may not get back what you invest. This may also happen as a result of exchange rate fluctuations, as some investments have exposure to overseas markets. Investing should be seen as a medium- to long-term proposition, for example at least five years.

The information on this page doesn't constitute a solicitation of the sale or recommendation of, or advice on any products. You should not act on such information without seeking professional advice. You should also consider whether any products are appropriate in view of your own circumstances, including not only your risk tolerance, but also your financial situation, investment knowledge and/or experience, Investment objectives and preferred investment period.

What do we mean by 'risk level'?

Very low - you're generally comfortable with achieving a very low level of potential return on your investment coupled with a very low risk of investment loss.

Low - you're generally comfortable with achieving a low level of potential return on your investment coupled with a low level risk of investment loss.

Balanced - you're generally comfortable with achieving a moderate level of potential return on your investment coupled with a moderate risk of investment loss.

High - you're generally comfortable with achieving a high level of potential return on your investment coupled with high risk of investment loss.

Very High - you're generally comfortable with achieving a very high level of potential return on investment coupled with a very high risk of investment loss.

HSBC UK Bank plc is not responsible for any loss, damage or other consequences of any kind that you may incur or suffer as a result of, arising from or relating to your use of or reliance on the information shown on this page. HSBC UK Bank plc gives no guarantee, representation or warranty as to the accuracy, timeliness or completeness of the information shown.

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