Asset allocation solutions for investing | HSBC


Asset allocation solutions

Asset allocation, the foundation for long-term investing


Asset allocation1 creates a consistent investment structure to help you stay focused on long-term goals through turbulent market cycles. In addition to helping maintain a portfolio that matches your appetite for risk, this strategy can help diversify your portfolio across asset classes and markets as well as support a consistent, disciplined approach to investing. We believe that employing proper asset allocation is the key to a long-term investment strategy, which is why we offer a variety of exclusive, customized asset allocation solutions.

An investment plan as unique as your needs

Qualified financial professionals2 from HSBC Securities (USA) Inc.3 can help you to develop a custom asset allocation strategy by taking the time to understand your risk tolerance, time horizon, financial goals, liquidity needs and other relevant factors. Our first priority is to follow an investment strategy with which you are comfortable. Start with scheduling a complimentary review by calling us at 866.586.4722 or by sending us an email.

Asset allocation solutions to potentially enhance your portfolio

Because we place a strong emphasis on proper asset allocation, we're pleased to make a wide variety of HSBC asset allocation solutions available to our clients.

The World Selection Spectrum Account4 provides flexibility for a wide variety of investment styles through an open architecture asset allocation program:

  • Seven asset allocation models, each available in a Tax Advantaged version. Models offer allocations to equity and fixed income mutual funds, money market funds and ETFs (exchange traded funds)
  • Assistance from your Financial Advisor to evaluate allocation models that align with your tolerance for risk
  • Ongoing money manager oversight by one of the world's largest global manager research teams
  • Daily evaluation of model allocations to determine if rebalancing is recommended
  • A minimum initial investment of $25,000

Our Managed Portfolio Account5 offers a comprehensive, personalized, and highly-diversified solution for our clients with substantial assets:

  • Guidance from a Financial Advisor, who will work with you to customize an investment portfolio using sophisticated asset allocation techniques and relying upon the expertise of leading portfolio managers
  • Access to carefully researched mutual funds, stocks, bonds, and ETFs (exchange traded funds) to develop the most appropriate asset allocation for you
  • Ownership of the securities purchased for your account, which can help you manage the tax implications of your investments
  • A long-term investment approach, with ongoing support through various market environments and the evolution of your financial goals
  • A minimum investment of $250,000

World Selection Funds6 are asset allocation funds that are accessible for nearly any investor:

  • Four strategically designed funds – Conservative, Moderate, Balanced, and Aggressive – aligned to separate risk profiles
  • Allocation across bonds, domestic and international equities, alternative investments, and cash to help spread risk
  • Regular monitoring to keep the portfolios up-to-date as market conditions change
  • Minimum investment of only $1,000, as well as flexible automatic investing options.

World Selection Funds are sold by Prospectus. Investors should consider the investment objectives, risks, charges 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. Read it carefully before you invest.

Carefully researched investment options

An array of HSBC and non-proprietary funds are available to implement your personalized investment strategy. These funds and their managers are all carefully researched and monitored on an ongoing basis by HSBC Multimanager7– an integrated, global team of research analysts. These investment professionals diligently seek out and evaluate funds from around the world to identify those that they believe have the potential to deliver consistent, risk-adjusted returns moving forward over a market cycle.

To learn more about HSBC asset allocation solutions, or to get started with a complimentary planning session, call us at 866.586.4722 or schedule a consultation online.

1 Asset allocation is a method of diversification that positions assets among major investment categories. This tool may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns.

2 HSBC Securities financial professional refers to Financial Advisors and Licensed Sales Professionals. Financial Advisors provide a full suite of investment products that are available with HSBC based on individualized customer financial needs and objectives. Licensed Sales Professionals have access to more simplified product sets created to meet customers' key life-cycle needs, e.g., education, retirement, wealth transfers.

3 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. Third party whole life, universal life and term life insurance products 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:

All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.

4 HSBC Global Asset Management (USA) Inc. serves as investment adviser 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. Certain HSBC Investor Funds have sub-advisors, not affiliated with HSBC, with an investment specialty that is appropriate for the asset class represented by that fund. Both HSBC Global Asset Management (USA) Inc. and the sub-advisors receive a fee for their investment services separate from the investment management fee charged for the HSBC World Selection Spectrum Account. Mutual funds outside of the HSBC Investor Funds family are offered as options in the product and may be advised by investment managers affiliated or unaffiliated with HSBC Global Asset Management (USA) Inc., who also receive a fee for their services.

5 HSBC Global Asset Management (USA) Inc. is the sponsor of the Managed Portfolio Account and the HSBC World Selection Spectrum Account.

6 HSBC Global Asset Management (USA) Inc. is the investment adviser for the HSBC World Selection Funds. Foreside Distribution Services, L.P., a member of the Financial Industry Regulatory Authority ("FINRA"), serves as the distributor of the Funds' shares.

7 HSBC Multimanager is a research and asset management capability utilized by certain HSBC companies in various regions around the world. In the U.S. the company offering these capabilities is HSBC Global Asset Management (USA) Inc.

HSBC Investor Funds are distributed by Foreside Distribution Services, L.P., which is not affiliated with HSBC Global Asset Management (USA) Inc.

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 adviser for more information.

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