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Best HSBC Hybrid Mutual Funds

The HSBC Mutual Fund was established in 2002, offering investors with an assortment of investment and asset protection products across equities, fixed income, liquid, and multi-asset categories. In its more than 18 years of operation, the fund house has gained a large client base with over Rs. 10000 crores in Assets under Management (AuM). 

HSBC Mutual Fund offers more than 30 mutual fund products, including the best HSBC hybrid mutual funds, to meet preferences like wealth creation, growth, and liquidity. 

Hybrid funds invest in more than one asset class, including equities and debt, thus investors a more uniform balance between risk and return. With these funds, individuals can invest in multiple assets like equities, debt, and sometimes even gold and real estate. Investors can, therefore, diversify their investment across various asset classes.

HSBC mutual fund offers more than 7 hybrid mutual funds with varying asset allocation and maturity periods. 

Hybrid mutual funds allow capital appreciation in the long run without assuming high risks. The top HSBC hybrid mutual funds have balanced portfolios with assets distributed in various classes. This distribution helps mitigate risk, generates income in the short run, and gives a balanced performance in changing market conditions. Moreover, these mutual funds serve as much more viable investment options for individuals with varying financial goals and risk tolerances. 

Hybrid funds are classified into several types based on asset allocation. The best HSBC hybrid mutual funds can be conservative funds, balanced funds, aggressive funds, dynamic asset allocation, multi-asset allocation, equity savings, and arbitrage funds. 

Conservative schemes provide a good option over traditional savings with 10-25% assets allocated in debt instruments and the other in equities. Aggressive funds take the opposite approach with 65-80% investment in equity classes and the rest in debt assets. Multi-asset allocations invest in more than three asset classes, while balanced funds invest 40% and 60% in equities or debt. 

Other hybrid mutual funds include dynamic assets, which allow shifting between 100% debt and equities, and equity savings which also invest in derivatives. Arbitrage funds involve using the arbitrate strategy to generate profits from price differences and market imbalances. 

Factors to Consider Before Investing

Before choosing the best HSBC hybrid mutual funds, investors should consider the following factors. 

The risk factor: While hybrid funds are not entirely risk-free, investors can assume lower risk while investing in them, as compared to equity funds. If the hybrid fund is equity-oriented, it automatically presents a higher risk to investors. Debt-oriented funds are also not completely devoid of risks, even though this usually affects only the interest rates. 

Returns: Even the best HSBC hybrid mutual funds might not offer guaranteed returns. Market performance strongly influences the returns, with funds comprising a higher equity component tend to perform better. Thus, an aggressive fund's returns will depend more on equity markets compared to balanced and conservative funds. On the other hand, the debt component will show stabler returns during a bear phase. 

Investment horizon: Hybrid funds have better chances of earning higher and more stable returns with a longer maturity period. Most hybrid funds stand to generate high profits in a medium to a long-term investment horizon of around three to five years. 

Costs: AMCs charge a fee as a specific percentage of investment returns known as the expense ratio to manage a portfolio. The highest amount that can be charged under this is usually 2.25%. Choosing a fund with a lower expense ratio can increase the NAV (Net Asset Value) over time, generating more returns. Some companies also charge an exit fee when withdrawing prematurely.

Financial goals: Investors should be clear on their financial goals before choosing the best HSBC hybrid mutual fund. They might want to plan ahead to achieve their goals by striking the right balance between risk and returns. This includes avoiding unnecessary risks that could end up piling more losses or being so risk-averse that they are unable to achieve their financial goals. Choosing the right hybrid plan will benefit investors greatly, as each type performs well with the right maturity period. For example, an aggressive fund performs well in the long term, and a conservative fund lowers the chances of a loss with its short-term maturity. 

Taxability

Investors also need to be aware of taxation policies before choosing to invest in any mutual fund schemes.

Long-Term Capital Gains Tax (LTCG): When equity allocation in a specific fund is more than 65%, it gets treated as equity funds. LTCG on equity funds generating capital gains of up to Rs. 1 lakh every year is exempt from taxes. Above this, the LTCG is taxed at a rate of 10%. LTGC for debt-type hybrid funds is 20%. 

Short-Term Capital Gains Tax (STCG): STCG on equity-oriented hybrid funds that are sold-off before 1 year is applied at the rate of 15%. For debt-oriented funds, the earnings obtained if they are sold off before 3 years are added to the investor's taxable income and charged as per his/her respective tax slabs. 

TDS: This is not charged for any hybrid mutual funds. 

These were some of the essential points investors need to understand before investing in the best HSBC hybrid mutual funds 2022

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List of Hsbc Mutual Funds in India

Fund NameCategoryRisk1Y ReturnsRatingFund Size(in Cr)
HSBC Brazil FundOtherVery High6.0%--₹31
HSBC Liquid FundDebtLow to Moderate5.2%3₹10,989
HSBC Small Cap Equity FundEquityVery High-8.8%2₹300
HSBC Infrastructure Equity FundEquityVery High9.2%1₹121
HSBC Global Emerging Markets FundOtherVery High-4.5%--₹17
HSBC Managed Solutions India Growth FundOtherVery High-1.0%2₹37
HSBC Managed Solutions India Moderate FundOtherHigh-0.1%2₹63
HSBC Flexi Cap FundEquityVery High-3.0%2₹3,235
HSBC Asia Pacific (Ex Japan) Dividend Yield FundOtherVery High-1.1%--₹8
HSBC Tax Saver Equity FundEquityVery High4.2%2₹195
View All

Let's have a closer look

Now let us jump and check about these top 10 mutual fund schemes.

HSBC Brazil Direct Plan Growth

Fund Performance: The HSBC Brazil Fund has given -10.32% annualized returns in the past three years and -3.44% in the last 5 years. The HSBC Brazil Fund belongs to the Other category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Brazil Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹31Cr
1Y Returns6.0%

HSBC Liquid Fund Direct Growth

Fund Performance: The HSBC Liquid Fund has given 4.16% annualized returns in the past three years and 5.32% in the last 5 years. The HSBC Liquid Fund belongs to the Debt category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Liquid Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹10,989Cr
1Y Returns5.2%

HSBC Small Cap Equity Fund Direct Growth

Fund Performance: The HSBC Small Cap Equity Fund has given 25.58% annualized returns in the past three years and 7.62% in the last 5 years. The HSBC Small Cap Equity Fund belongs to the Equity category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Small Cap Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹300Cr
1Y Returns-8.8%

HSBC Infrastructure Equity Fund Direct Growth

Fund Performance: The HSBC Infrastructure Equity Fund has given 24.41% annualized returns in the past three years and 3.43% in the last 5 years. The HSBC Infrastructure Equity Fund belongs to the Equity category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Infrastructure Equity Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹121Cr
1Y Returns9.2%

HSBC Global Emerging Markets Direct Plan Growth

Fund Performance: The HSBC Global Emerging Markets Fund has given 5.11% annualized returns in the past three years and 3.71% in the last 5 years. The HSBC Global Emerging Markets Fund belongs to the Other category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Global Emerging Markets Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹17Cr
1Y Returns-4.5%

HSBC Managed Solutions India Growth Fund Direct Growth

Fund Performance: The HSBC Managed Solutions India Growth Fund has given 12.17% annualized returns in the past three years and 7.5% in the last 5 years. The HSBC Managed Solutions India Growth Fund belongs to the Other category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Managed Solutions India Growth Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹37Cr
1Y Returns-1.0%

HSBC Managed Solutions India Moderate Fund Direct Growth

Fund Performance: The HSBC Managed Solutions India Moderate Fund has given 11.17% annualized returns in the past three years and 7.33% in the last 5 years. The HSBC Managed Solutions India Moderate Fund belongs to the Other category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Managed Solutions India Moderate Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹63Cr
1Y Returns-0.1%

HSBC Flexi Cap Fund Direct Growth

Fund Performance: The HSBC Flexi Cap Fund has given 13.29% annualized returns in the past three years and 7.24% in the last 5 years. The HSBC Flexi Cap Fund belongs to the Equity category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Flexi Cap Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹3,235Cr
1Y Returns-3.0%

HSBC Asia Pacific (Ex Japan) Dividend Yield Fund Direct Growth

Fund Performance: The HSBC Asia Pacific (Ex Japan) Dividend Yield Fund has given 6.51% annualized returns in the past three years and 6.16% in the last 5 years. The HSBC Asia Pacific (Ex Japan) Dividend Yield Fund belongs to the Other category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Asia Pacific (Ex Japan) Dividend Yield Fund via lump sum is ₹5,000 and via SIP is ₹500.

Min Investment Amt₹5,000
AUM₹8Cr
1Y Returns-1.1%

HSBC Tax Saver Equity Fund Direct Growth

Fund Performance: The HSBC Tax Saver Equity Fund has given 16.59% annualized returns in the past three years and 9.8% in the last 5 years. The HSBC Tax Saver Equity Fund belongs to the Equity category of HSBC Mutual Funds.

Minimum Investment Amount: The minimum amount required to invest in HSBC Tax Saver Equity Fund via lump sum is ₹500 and via SIP is ₹500.

Min Investment Amt₹500
AUM₹195Cr
1Y Returns4.2%

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