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Advisory solutions

Custom asset allocation helps you stay focused on long-term investment goals through changing market conditions.

Create a consistent investment strategy with asset allocation

Asset allocation[@assetallocation] is key to a long-term investment strategy, which is why we offer a variety of exclusive, customized solutions[@managedspectrum]. Speak to an HSBC Securities (USA) Inc. Wealth Relationship Manager for advice on creating a diversified portfolio that matches your preferred risk level.

Our asset allocation solutions

HSBC Spectrum[@managedspectrum]

Explore a wide range of investment models and benefit from an evaluation of your accounts by an HSBC Wealth Relationship Manager.

  • Choose from five asset allocation models offering equity and fixed income mutual funds, money market funds and ETFs (exchange traded funds).
  • Receive assistance from your financial professional to evaluate allocation models that align with your investment strategy and risk profile.
  • Benefit from periodic evaluations of your selected target model to see if rebalancing is recommended.
  • A minimum initial investment of $25,000.

Please consider this information for educational purposes. Please schedule a review with a financial professional to receive recommendations that may be suitable or in your best interest based on various personalized factors.

Managed Portfolio Account[@managedspectrum]

Enjoy a comprehensive, personalized, and diversified[@diversification] solution for your assets.

  • Guidance from a financial professional, who will work with you to customize an investment portfolio using 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.[@taxadvisor]
  • 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.

More reasons to choose our asset allocation solutions

  • Work towards long-term goals
    Create a tailored plan to stay focused on your long-term investment strategies through turbulent market cycles.
  • Explore advisory solutions tailored to you
    Enhance your portfolio with a variety of investment funds designed to meet your financial goals.
  • Spread your risks across different funds
    By diversifying your investment portfolio, you can manage and spread your risk.
  • Receive personalized investment recommendations
    Schedule a financial review of your funds to discuss solutions that are suitable and in your best interest based on your needs.

Ready to invest?

Already an HSBC client?

Log on to online banking to schedule an appointment with your Wealth Relationship Manager.

New to HSBC?

For more information on our asset allocation solutions, give us a call.

From within the U.S. or Canada:


From outside the U.S. or Canada:


Monday through Friday, 8am to 6pm Eastern Time

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Tailor your risk-reward profile with the potential of upside performance and downside protection options.
Mutual funds offer a pooled investment portfolio maintained in accordance with a set of fund objectives.

Additional information

    Investment, annuities, and variable life insurance products 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 other types of insurance are offered by HSBC Insurance Agency (USA) Inc., 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.

    Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and subject to investment risk, including possible loss of principal invested.

    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 firms for free by visiting FINRA's BrokerCheck website.

    In broad terms, “ESG and sustainable investing” products include investment approaches or instruments which consider environmental, social, governance and/or other sustainability factors to varying degrees. There is no guarantee that ESG and Sustainable investing products will produce returns similar to those which don’t consider these factors. ESG and Sustainable investing products may diverge from traditional market benchmarks. In addition, at this time in the United States there is no standard definition of, or measurement criteria for, ESG and Sustainable investing or the impact of ESG and Sustainable investing products. ESG and Sustainable investing and related impact measurement criteria are (a) highly subjective and (b) may vary significantly across and within sectors. HSBC Securities (USA) Inc., HSBC Insurance Agency (USA) Inc., and HSBC Bank USA N.A. (collectively “HSBC”) may rely on non-HSBC ESG measurement or scoring criteria originating, devised and/or reported by unaffiliated third parties or issuers. HSBC does not always conduct its own specific due diligence in relation to these unaffiliated parties’ own ESG measurement or scoring criteria. There is no guarantee: (a) that the nature of the ESG / sustainability impact or measurement criteria of an investment will be aligned with any particular investor’s sustainability goals; or (b) that the stated level or target level of ESG / sustainability impact will be achieved. ESG and Sustainable investing is an evolving area and new regulations are being developed which will affect how such investments can be recommended, categorized, or labelled. An investment which is considered to fulfil sustainable criteria today may not meet those criteria at some point in the future.

    ESG/Sustainable investing may impact exposure to issuers, sectors, and industries, limiting the type and number of investment opportunities available, which may impact performance. An ESG portfolio may or may not financially outperform similar investments that do not consider ESG criteria. To the extent that a product reflects an ESG or Sustainable label in its security title or name, the product may not be considered by HSBC to be an ESG or Sustainable investment and will not be recommended as an ESG or sustainable investment.

    HSBC does not provide any ESG recommendations or advice as part of our brokerage services offering. ESG recommendations/advice are limited to managed account offerings available in the Spectrum II ESG model. Additionally, we reserve the right to not recommend, or trade securities based on HSBC Group’s* internal policies, including its sustainability policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. Any ESG/SI macroeconomic statements or promotional materials generated by other HSBC Group entities may not reflect the views of HSBC.

    Information about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc

    Please consider the investment’s specific ESG and Sustainable investing impact and measurement criteria as described in the prospectus or other offering documents prior to investing.

    *HSBC Group refers to HSBC’s global affiliates.