Qualsiasi feedback su questa email da HSBC

First of all – make sure the email is genuine.

I tried something similar with BOV a few years back. Returns were low, ridiculously so, with high fees compared with what I was making. Staff were helpful and understanding, and I removed everything once I could. Funnily enough once I accounted for everything, a 3% government bond made comparatively similar returns. If you want more, I would recommend an ETF, but it’s linked with shares (no cap guarantee).

The one thing that I couldn’t understand was the endless amount of letters I kept receiving with statements and updates and information documents. Was a bit overwhelming to understand.

As a tldr – read the fine print, esp re expected returns and management fees. I only had BOV, so HSBC may be different. And be prepared for lots of bureaucracy and forms and paperwork.