In today's shifting global economy, diversifying1 your portfolio means looking beyond stocks and bonds to continents and countries. HSBC Securities (USA) Inc.2 can help you:
Giving you access to updates from markets around the world is one of our top priorities - our team of professionals can provide you with useful information and resources.2The World in 205011
Karen Ward, Senior Global Economist for HSBC, looks into the constantly changing global economy and its potential impact on our financial future.
Stephen King, HSBC Chief Global Economist, discusses the new Southern trading routes that are connecting Asia, the Middle East, Africa and Latin America.
Monthly newsletter from our top economic minds that provides a timely, topical outlook on stocks, fixed income and currencies.
Bi-monthly newsletter, featuring articles on growing, protecting and preserving your assets.
1 Diversification is a tool that may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss in a declining market. It also cannot eliminate the risk of fluctuating prices and uncertain returns.
2 Investment and certain insurance products, including annuities, are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life and health insurance products are provided by unaffiliated third parties and are offered through Insurance Agents of HSBC Insurance Agency (USA) Inc., which is a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843.
|Investment, Annuity and Insurance Products:|
|ARE NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES||ARE NOT FDIC INSURED||ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY||ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES||MAY LOSE VALUE|
All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.
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3 International investing involves a greater degree of risk and increased volatility that is heightened when investing in emerging or frontier markets. Foreign securities can be subject to greater risks than U.S. investments, including currency fluctuations, less liquid trading markets, greater price volatility, political and economic instability, less publicly available information, and changes in tax or currency laws or monetary policy.
4 Frontier market countries generally have smaller economies and even less developed capital markets or legal and political systems than traditional emerging market countries. As a result, the risks of investing in emerging market countries are magnified in frontier market countries. The magnification of risks are the result of: the potential for extreme price volatility and illiquidity in frontier markets; government ownership or control of parts of private sector and of certain companies; trade barriers, exchange controls, managed adjustments in relative currency values and other protectionist measures imposed or negotiated by the countries with which frontier market countries trade; and the relatively new and unsettled securities laws in many frontier market countries.
5 Mutual funds, money market funds, and Exchange Traded Funds are sold by prospectus. An investment in a money market fund is not a deposit of HSBC Bank USA, NA and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money investing in a money market fund. Please consider the investment objectives, risks, changes and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your HSBC Securities (USA) Inc. Financial Advisor or call 888-525-5757. Read it carefully before you invest.
6 Equity securities include common stocks, preferred stocks, convertible securities and mutual funds that invest in these securities. Equity markets can be volatile. Stock prices rise and fall based on changes in an individual company's financial condition and overall market conditions. Stock prices can decline significantly in response to adverse market conditions, company-specific events, and other domestic and international political and economic developments
7 Structured Certificates of Deposit are provided by Registered Representatives of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Structured CD Products are: Bank deposits; obligations of the issuing bank; FDIC insured within applicable limits; not a liquid investment; and are designed to be held to maturity. Structured CDs are subject to investment risk and any early repayment could result in a loss of principal investment.
Structured Notes are provided by Registered Representatives of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, a registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc. Investing in Structured Notes may result in a loss. The return on the notes is linked to the performance of the underlying asset, which may be negative, and involves risks specific to the relevant underlying asset. Structured notes are not a liquid investment and are designed to be held to maturity.
8 Fixed income products are subject generally to interest rate, credit, liquidity and market risks, to varying degrees.
9 HSBC Global Asset Management (USA) Inc. serves as investment advisor for the HSBC World Selection Spectrum Account as well as the HSBC Investor Funds, which may be among the underlying investments in the HSBC World Selection Spectrum Account.
Foreside Distribution Services, L.P., member FINRA, the distributor, is not affiliated with the advisor.
10 Seek tax advice from your tax proffessional or tax attorney
11 Source: HSBC, "The World in 2050."
12 Source: HSBC, "Southern Silk Road."
United States persons (including U.S. citizens and residents) are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts – including, for example, Form TD F 90-22.1 (Report of Foreign Bank and Financial Accounts ("FBAR")). U.S. persons should consult a tax advisor for more information.
* To qualify for an HSBC Premier relationship, you need to open a Premier checking account and maintain $100,000 in combined U.S. personal deposits and/or investment balances. Business owners may use their commercial balances to qualify for a personal Premier relationship. A monthly maintenance fee of $50.00 will be incurred if minimum balance requirements are not maintained. You have up to 90 days after account opening to meet the full $100,000 balance requirement.
Deposit products in the U.S. are offered by HSBC Bank USA, N.A. Member FDIC.
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