Ideal for maintaining a HSBC Hong Kong account while experiencing U.S. stock index funds—double benefits. HSBC Hong Kong mobile app → Wealth → Products & Services → SmartInvest → Stock Tracking Index Funds → HSBC U.S. Stock Index Fund (tracks the S&P 500 Index) Annual management fee: 0.31% Platform service monthly fee: Free for balances under HK$10,000; HK$28 for balances between HK$10,000–200,000; for balances above HK$200,000, an annualized fee of 0.8% of the balance applies. If you simply want to maintain a bank investment account and experience U.S. stocks, invest less than HK$10,000. Focus on experiencing the appeal of U.S. index funds—over the long term, they outperform traditional savings deposits. Keep your HSBC investment account active to retain access to future features such as Hong Kong IPO subscriptions and diverse fund offerings.