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Wealth Portfolio Financing-i

A flexible way to reinvest the extra funds backed by your assets, for greater wealth returns.

Leverage your current assets for future returns

Put your dormant funds to use with our Wealth Portfolio Financing-i. Enjoy the flexibility of reinvesting the extra funds backed by your existing HSBC assets. This way, you can unlock greater returns without affecting your cash flow. 

Why choose Wealth Portfolio Financing-i?

A Shariah-compliant product

This product gives you the liquidity to reinvest in other assets based on the principle of Tawarruq.

Diversify your investments for more returns

Reinvest funds into more diversified Shariah-compliant asset classes for more return opportunities on your investment portfolio.

Access liquidity while keeping your portfolio

Get funding without having to cash out your existing investments, thanks to the eligible assets you hold with us.

Enjoy a competitive margin of financing

We offer financing rates that are on par with the market for your investment portfolio.

More benefits

  • Draw down in multiple currencies
    You can make a drawdown with this facility in a number of currencies: USD, GBP, EUR, CHF, AUD, SGD, JPY.
  • A wider range of collateral acceptance
    We accept both Malaysian ringgit and foreign currency-based asset classes as collateral.
  • Get financing at a lower cost
    You have the flexibility to choose the currency you draw down for more cost-effective financing.

How Wealth Portfolio Financing-i works?

Wealth Portfolio Financing-i is a secured financing facility backed by the existing eligible assets that you hold with us, which we'll accept as collateral. This forms the liquidity which you can reinvest into the available investments we offer. Please note that investments subscribed or purchased with this facility are not eligible to be pledged towards increasing your facility limit. The facility limit granted depends on the type of assets pledged, and will be subject to our approval.

What's an advance ratio?

An advance ratio is a predefined financing ratio assigned to each eligible asset. This is based on our internal assessment of the quality of your assets and your investment portfolio.  

The following table shows the advance ratio we may assign to each type of eligible asset:

Eligible assets held with HSBC Bank/Amanah Malaysia Advance ratio
Malaysian ringgit or foreign currency time deposits / term deposits-i up to 95%
Sukuk / bonds up to 85%
Unit trusts Equity funds: up to 65% Fixed income funds: up to 95% Mixed allocation funds: up to 85% Other funds: up to 70%
An advance ratio is a predefined financing ratio assigned to each eligible asset. This is based on our internal assessment of the quality of your assets and your investment portfolio.  

The following table shows the advance ratio we may assign to each type of eligible asset:

Eligible assets held with HSBC Bank/Amanah Malaysia Malaysian ringgit or foreign currency time deposits / term deposits-i
Advance ratio up to 95%
Eligible assets held with HSBC Bank/Amanah Malaysia Sukuk / bonds
Advance ratio up to 85%
Eligible assets held with HSBC Bank/Amanah Malaysia Unit trusts
Advance ratio Equity funds: up to 65% Fixed income funds: up to 95% Mixed allocation funds: up to 85% Other funds: up to 70%
For a full list of unit trusts and sukuk / bonds we accept, please speak to your Relationship Manager.

What you need to know?

Who can apply?

To apply for Wealth Portfolio Financing-i, you need to be an HSBC Amanah Premier customer. Learn more about tcw bet:HSBC Amanah Premier. 

Ready to apply?

Talk to your Relationship Manager

Get in touch with your Relationship Manager to discuss which assets you'd like to pledge and submit your application for a Wealth Portfolio Financing-i.

Visit a branch

You can also come see us at a local branch if you prefer to apply in person.

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