Retirement planning: Key questions | HSBC

 

Retirement planning

Are you prepared for retirement?

Retirement planning and preparation represented by camels being guided

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.

Pre-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?

At retirement

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 (USA) Inc. 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 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.

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.

Research backgrounds of brokers and brokerage firms for free by visiting FINRA's BrokerCheck website

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.

Have a question?

Call 866.586.4722
Mon - Fri (8am - 7:45pm ET)
Sat (9am - 3pm ET)

Go to Top