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Retirement planning products
Plan for retirement with personalized guidance from HSBC
How well you live after retiring depends on how well you plan for it. HSBC's Future of Retirement study is a leading independent study into global retirement trends. It offers insight into some of the key factors affecting retirement, including aging populations and increasing life expectancy.
The latest report, Choices for later life, is the eleventh in the series and represents the views of more than 16,000 people in 15 countries and territories between August and September 2014.
Personal attention, extensive resources for retirement
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 and products 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:
- Manage your long-term retirement savings through tax-advantaged vehicles, including Traditional and Roth IRAs
- Evaluate the benefits in consolidating 401(k) plans from previous employers and assist in fund rollovers
- Consider how annuities2, life insurance, disability and long-term care coverage may be important to securing the retirement lifestyle you desire.
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 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:|
|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 Financial professional refers to Premier Wealth Advisors (PWA), Premier Relationship Advisors (PRA) and Financial Advisors (FA). PWA/PRAs primarily focus on a full suite of Premier products and services while FAs primarily focus on a full suite of Advance products and services. Both offer bank products through HSBC Bank (USA) N.A., investments and certain insurance products, including annuities, through HSBC Securities (USA) Inc. and traditional insurance products through HSBC Insurance Agency (USA) Inc..
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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