Starting out

The days when people stayed in one organisation all their lives are over; most tend to move jobs quite often as they climb the corporate ladder. The ease of job transition and our desire for job satisfaction have made it possible to take up the challenge and move forward.

So it is key that you decide what kind of job you want, and what is important for you. Do you want flexible hours and a regular change of scenery, or would you rather face real challenges from the start which will move you closer to your ultimate career goals?

Whichever direction you choose you will need a Smart Account-i to receive your salary and to act as the basis of your money management. Smart Account-i includes Personal Internet Banking which will help you keep 24x7 control of your hard-earned money from the comfort of your home or office or anywhere in the world.

You will of course have expenses, such as clothes, transport or perhaps a need to upgrade the PC at home. We can arrange for you to apply for a MPower credit card-i which can maximise your lifestyle and give you Cash Back with every retail purchase you make. We also have Takaful Cards Protector which will ease your credit card worries.

Need to make a big purchase? Perhaps you do not want to spend the hard-earned cash you saved in your Smart Account-i and would prefer an alternative way to make your purchase. Now might be a good time to apply for Anytime Money Personal Financing - i to see how much you can finance, and you could back this up with Takaful Anytime Protector to cover the outstanding amount should the unexpected occur.

Finally, you need to check with your employer the benefits that they offer such as medical insurance, income protection and death-in-service benefits. For added assurance, we have a range of Takaful products for your protection needs.

• HSBC LifeSelect Regular, an affordable regular contribution investment-linked plan that is tailored to your protection and investment needs.
• Takaful PA Shield, protecting you and your family should the unexpected happen.
• HSBC LifeStlye Protector Plan or HSBC LifeStlye Protector Plus Plan– an affordable protection plan that help you cope with life’s uncertainties.

This gives you the peace of mind that you and loved ones are looked after in any unforeseen circumstances.

Useful tips

Check out the HSBC Amanah Smart Privileges that comes with your MPower credit card-i . The wide range of special deals and discounts that you get from participating merchants may help you meet your lifestyle needs.