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Islamic investments Find the right investment opportunity with our digital Islamic investment account.

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2. Investments

Get up to 2 Apple devices[@premier-apple-promo-2026] when you invest and purchase a Takaful plan with us

Plus, get up to 10.88% p.a. with your Term Deposit-i when you invest or insure with us.

Hurry, limited units are available. Offer ends 31 March 2026. T&Cs apply.

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Promotional profit rates

Product	Tenure	MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	USD profit rate	Minimum TD-i placement	Minimum TD-i placement
Shariah-compliant Unit trusts[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1	3-month	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum	MYR50,000	1:1
Structured investments-i[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1	3-month	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum	MYR50,000	1:2
Sukuk[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1	3-month	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum	MYR50,000	1:2
BancaTakaful (Regular contribution)[@premier-bancassurance-bundling-2026]Footnote link 2Footnote link 2	3-month	New to BancaTakaful Products: 9.88% per annum Existing customers: 7.88% per annum	New to BancaTakaful Products: 10.88% per annum Existing customers: 8.88% per annum	MYR20,000	1:1
BancaTakaful (Single contribution)[@premier-bancassurance-bundling-2026] ]Footnote link 2Footnote link 2	3-month	New to BancaTakaful Products: 9.88% per annum Existing customers: 7.88% per annum	New to BancaTakaful Products: 10.88% per annum Existing customers: 8.88% per annum	MYR20,000	1:3

Promotional profit rates

Product	Shariah-compliant Unit trusts[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1
Tenure	3-month
MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum
USD profit rate	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum
Minimum TD-i placement	MYR50,000
Minimum TD-i placement	1:1
Product	Structured investments-i[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1
Tenure	3-month
MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum
USD profit rate	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum
Minimum TD-i placement	MYR50,000
Minimum TD-i placement	1:2
Product	Sukuk[@premier-td-wealth-bundle-2026]Footnote link 1Footnote link 1
Tenure	3-month
MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	New to Wealth Products: 7.88% per annum Existing customers: 5.88% per annum
USD profit rate	New to Wealth Products: 8.88% per annum Existing customers: 6.88% per annum
Minimum TD-i placement	MYR50,000
Minimum TD-i placement	1:2
Product	BancaTakaful (Regular contribution)[@premier-bancassurance-bundling-2026]Footnote link 2Footnote link 2
Tenure	3-month
MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	New to BancaTakaful Products: 9.88% per annum Existing customers: 7.88% per annum
USD profit rate	New to BancaTakaful Products: 10.88% per annum Existing customers: 8.88% per annum
Minimum TD-i placement	MYR20,000
Minimum TD-i placement	1:1
Product	BancaTakaful (Single contribution)[@premier-bancassurance-bundling-2026] ]Footnote link 2Footnote link 2
Tenure	3-month
MYR profit rateFootnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1Footnote link 1	New to BancaTakaful Products: 9.88% per annum Existing customers: 7.88% per annum
USD profit rate	New to BancaTakaful Products: 10.88% per annum Existing customers: 8.88% per annum
Minimum TD-i placement	MYR20,000
Minimum TD-i placement	1:3

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Islamic investment products

Shariah-Compliant Unit Trust

For medium to long-term goals, unit trust is a viable investment option as it utilises time and the expertise of investment professionals to your advantage. The earlier you start, the better your chances of reaping potentially higher returns.

Important notice

• When you subscribe into any Shariah-Compliant Unit Trusts with us, the investment amount will be deducted directly from your settlement account(s) with us. Investors and potential investors are reminded not to provide cash for investment purposes to any HSBC Amanah employees. Pre-signed forms are also strictly prohibited.
• You are advised to carefully consider your own circumstances, including not only the product risk level of your selected investment, but also your financial situation, investment knowledge and/or experience, investment objective and preferred investment period. Switching fixed deposits into any Shariah-Compliant Unit Trusts beyond your risk appetite is highly discouraged.
• Before you make any investment decision, you may wish to engage or speak to your relationship manager to understand more about any investment product including the applicable charges, investment objective and return expectation. For first time investors, you should also be made aware of your cooling-off rights for eligible funds.

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Why is diversification important

• Minimises the risk of loss To your overall investment portfolio by reducing potential volatility.
• Allows you to explore more opportunities for return By spreading your investments to different asset classes.
• Protects you against adverse market cycles And unexpected market crisis like what we have experienced with COVID-19.

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Shariah-Compliant Structured Product

A customisable investment solution which can be tailor-made according to your investment need, market view and risk appetite. You can choose from various structures with returns dependent upon movements of a predetermined index, equity, FX rates or interbank rate benchmark. For example:

• HSBC Amanah Principal Protected Participation Structured Product offers you the opportunity to capitalise on upside potential of your preferred equity or index to earn an enhanced return
• HSBC Amanah Principal Protected Absolute Performance Structured Product offers you the opportunity to earn a positive return not only when underlying equity/index price goes up but also when the underlying price goes down
• HSBC Amanah Principal Protected Range Accrual FRINI rates linked Structured Product offers you the opportunity to capitalise on range bound view of market rates to earn regular profit payment higher than the term deposit-i rate.
• HSBC Amanah Principal Protected Digital Lock-In Equity/Index Linked Structured Product offers you the opportunity to earn regular profit payment higher than the term deposit-i rate when the underlying equities/indices stay above a predetermined level (e.g. 90% of initial price).
• HSBC Amanah Non-Principal Protected MaxMin Autocallable Structured Product offers investors the opportunity to earn potential regular profit payments higher than the term deposit-i rate when the underlying equities/indices stay above a predetermined level that is lower than current underlying price (knock in level).

Sukuk

Sukuk are Shariah compliant debt securities which represent certificates of equal value that evidence undivided ownership or investment in the underlying assets using Shariah principles. Essentially, when you invest in Sukuk, your money is put into the assets of a project or investment in order to generate profit. Sukuk offers you the opportunity to earn profits (in the form of periodic distribution payments). It can also be traded (buy or sell) prior to maturity provided a counterparty is found at the best effort basis of the Bank. HSBC Amanah offers sukuk in various currencies and credit ratings.

• Disclosures and Terms & Conditions Governing Sukuk Investments (Latest Version - 14 September 2025 Edition) (PDF) Disclosures and Terms & Conditions Governing Sukuk Investments (Latest Version - 14 September 2025 Edition) (PDF) Download link
• Disclosures and Terms & Conditions Governing Sukuk Investments (Previous Version - Apr 2023 Edition) (PDF) Disclosures and Terms & Conditions Governing Sukuk Investments (Previous Version - Apr 2023 Edition) (PDF) Download link

Foreign exchange

Access real-time FX rates and transfer money instantly across the globe.

Learn more Learn more about HSBC Amanah foreign exchange solutions

Things you should know

Unit Trust

Unit trust funds FAQs

Unit Trust email advice/statement

Unit trust email advice/statement FAQs

General Investment

General investment FAQs

Structured Investment

Structured investment-i FAQs

Wealth Dashboard

Wealth Dashboard FAQs

• Terms & Conditions Governing Unit Trusts (PDF) Terms & Conditions Governing Unit Trusts (PDF) Download link

Only individuals registered with Federation of Investment Managers Malaysia (FiMM) as consultants are authorised to promote, market and distribute unit trust schemes. To better safeguard your interest during any discussion and investment related to unit trust schemes, you are advised to access https://www.fimm.com.my/search and key in the full name of the unit trust consultant to verify if they are authorised by FiMM.

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Important information

Issued by HSBC Amanah Malaysia Berhad 200801006421 (807705-X). Member of PIDM. Protected by PIDM up to RM250,000 for each depositor. This material has not been reviewed by the Securities Commission Malaysia (SC). Back to top

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