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HBL InvestmentServices

HBL offers a wide range of investment services catered to meet your long-term financial goals.

It is critical to understand the difference between savings and investments. Generally people assume that savings and investments are the same, but they are wrong.

Saving primarily involves securing your money while preserving its nominal value, however the opportunity to grow is limited.

Investments, on the other hand, enable you to grow your savings over a certain time period with some level of associated risk. While savings might enable you to set aside funds for an emergency or for an immediate short-term goal, investments will enable you to achieve your long-term goals such pay for your child’s education or for your retirement.​​

Our Business Philosophy

At HBL, we believe that each customer is unique and has a different set of requirements. Our investment analysts, therefore, analyze your particular life stage, goals, and resources before developing investment solutions.
Our aim is to improve the quality of product offerings in the retail investment field, thus enabling customers to optimize their returns by aligning them with their risk profiles. 

Our investment analysts are composed of a team of highly trained professionals, who undergo extensive training programs. They are capable of assessing your needs so they can suggest the most appropriate products that will best suit your needs. Our seasoned practitioners will not only help you understand the steps necessary to attain your goals, but they will update you about all the financial tools available to do so.​

Offering Investment Solutions Tailored to Meet your Goals

HBL Investment Services provide comprehensive solutions, including innovative Capital Protected Structures, Mutual Funds, Government Securities and Islamic investment options. We go through a structured series of steps to enable you to make the best decision.

  • Understanding your Requirements: Our investment advisors will have a one-on-one consultation with you to gather information pertaining to your risk appetite, which goal you are saving for, and your return expectation.  (You will need to fill out a risk profile questionnaire based on international standards).
  • Strategy Selection: Based on your feedback, an advisor will suggest an investment strategy, enabling you to choose from a wide range of investment solutions which best meet your needs.
  • Sales Closure: Once you decide on an investment solution, and all required documentation is complete, you will receive a call from an independent unit at the bank’s head office. A representative will ensure that you were properly advised and you understand all associated liabilities and risks associated with your investment.


  • Maximize returns on your savings.
  • Choose from a variety of options to diversify your risk.
  • Professional management oversees your investments, ensuring investor protection.
  • Provides liquidity and access to your money.
  • Gain significant tax benefits (as available in mutual funds).

Why HBL?

  • We are the largest bank in Pakistan with a well established history of offering the best in class products in all categories.
  • We retain trained professionals in all our branches to help you make the right selection.
  • We have low dealing costs and a robust sales procedure in place to ensure transparency.
  • We help you diversify your risk, while gaining tax benefits (as offered on mutual funds products).
  • We collaborate with the best partners available in the market.

*Risk Disclaimers

Investments in such products are subject to market risks. Past performance should not be taken as an indication or guarantee of future performance and no representation or warranty, express or implied, is made regarding future performance.

HBL is not the issuer or the investment manager of any of the investment products until and unless otherwise specified and is only acting as a third party distributor of the funds.

Investors should conduct their own appraisal and consult their financial, legal and other professional advisors prior to any subscriptions.