Retirement planning: Key questions | HSBC
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Are you prepared for retirement?
If you retired today, would you have enough money to fund your desired lifestyle? It may be a difficult question to answer because there are so many variables to consider. However, it is important to evaluate your present situation and attempt to forecast how your finances may change in retirement.
In your "pre-retirement calculation", you may want to ask yourself the following questions:
- What is the market value of all my investments today, including any pensions and saving plans?
- How much money do I invest each month?
- What rate of return might my investments yield until I reach retirement?
- What will my investment portfolio be worth at retirement based on those assumptions?
For an "at retirement calculation", the following questions may be helpful:
- At what age am I planning to retire and how many years of retirement income may be needed?
- How much money will I need each month after taxes to support my lifestyle?
- How much income can I expect to receive from the government?
- How much income can I expect to receive from any company pension plans?
- How much money can I draw from my personal retirement portfolio and for how long?
Start planning for retirement today
Knowledgeable, qualified financial professionals1 from HSBC Securities are available to help you evaluate your answers to these questions. They can also work with you to prepare and implement a personalized retirement plan, help adjust it as your needs and goals change, and help you make the most of your finances after you retire.
Call 866.586.4722 or schedule a consultation online.
1 HSBC Securities financial professional refers to Premier Wealth Advisors (PWA)/Premier Relationship Advisors (PRA) and Licensed Sales Professionals. PWA/PRA's 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.
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.
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All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor.
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.
Investing and retiring
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