Advice and tools
Advice and insight
How well you live after retiring depends on how well you plan for it. HSBC's 2011 Future of Retirement study – the sixth edition of our comprehensive study uncovering global trends and issues in retirement preparation – underscores the importance of retirement planning in today's economic climate. Responses from the more than 17,000 worldwide study participants confirm that those who plan proactively are more likely to benefit both emotionally and financially.
Survey findings showed that in the U.S., independent financial advisors and banks are the top two sources for retirement planning assistance. Many also start their planning with input from family, friends and the internet. It's important to take charge of your retirement. The earlier you start, the more time you will have to accumulate assets and plan around changes.
We understand and value that everyone has a unique vision for retirement. Whether you're just starting to plan or are nearing the time to turn your savings into retirement income, you can count on our personalized approach to helping you work toward your ideal retirement.
In addition to helping you make the most of HSBC's vast global resources, a financial professional1 from HSBC Securities (USA), Inc. can help you:
To start planning your retirement or to see how your current plans could benefit from HSBC's insights into the Future of Retirement, schedule a complimentary review. Call us at 866.586.4722 or schedule a consultation online.
Investment and Annuity products are provided by Registered Representatives and Insurance Agents 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. In California, HSBC Securities (USA) Inc., conducts insurance business as HSBC Securities Insurance Services. License #: 0E67746. Insurance Agents of HSBC Insurance Agency (USA) Inc., a wholly-owned subsidiary of HSBC Bank USA, N.A., and an indirectly wholly-owned subsidiary of HSBC Holdings plc, offers Insurance products issued by third-party insurance carriers. Products and services may vary by state and are not available in all states. California license #: 0D36843.
|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.
1 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.
2 Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a variable annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a variable annuity. Under these circumstances, you should only consider buying a variable annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Financial Professional to obtain a current prospectus. Please read the prospectus carefully before investing or sending money.
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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