My grandma also loves holding #5. She gets 20k+ interest each year to pay her doctor fees. If you are still young, I will take higher risk and buy other stock for much higher returns (but maybe losses). I used to hold some 5, but sold all because when I see other stock rises a lot, HSBC price remains very stable (stagnant). However, 5 is not risky as compared to other stock, just that not much upside in shorter run.