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Wealth Track

You invest – Wealth Track1 does the rest

Balanced investments – whatever the market does

Whatever the market does, Wealth Track1 makes sure your portfolio stays balanced according to your plan.

It’s that smart.

 

Getting started is easy. You just answer a few questions about your goals, timeframe, and preferred risk level. In minutes, you’ll have an advisory plan designed around you.

 

Once funded, the rest is done for you.

Minimums and fees
$5,000 minimum
for a retirement (tax-deferred) advisory Wealth Track account
$10,000 minimum
for a taxable advisory Wealth Track account

0.50% annual advisory fee5

You can expect

Managed for you

  • A sophisticated managed investment advisory solution, offered for 0.50% annually, powered by the global investment insights of HSBC Securities (USA) Inc., as part of the HSBC Group
  • Portfolios are adjusted periodically to reflect HSBC’s insightful economic views

Tailored to you

  • A portfolio tailored to help you meet your needs and risk level
  • Automatic rebalancing so your portfolio continues to meet your allocation
  • May provide a mix of Exchange-Traded Funds (ETFs)3 and/or Mutual Funds. At this time Wealth Track only uses ETF's to fullfill models.

Online access and alerts

  • An easy-to-navigate online dashboard to help you track and monitor your investments
  • 24/7 access to account and performance statements, gains and losses, and trade confirmations
  • Email account alerts

Wealth Track options based on your risk level

When you open a Wealth Track account, your portfolio will contain an automated asset allocation2 based on your risk level.

Our investment advisory portfolios range from conservative to aggressive, and may provide a mix of Exchange-Traded Funds (ETFs)3 and/or Mutual Funds constructed across multiple asset classes to support your advised investment journey. At this time only etf's are used in fulfiling the models.

There are several account options available for you once you get started.

Taxable accounts

 

Individual Advisory Accounts
An account owned by a primary holder to help manage wealth assets ($10,000 minimum investment required)


Joint Advisory Accounts
An account owned jointly by two or more people to help manage wealth assets ($10,000 minimum investment required)

Retirement accounts

 

Traditional IRA Advisory Accounts
Retirement account owned by a primary holder where no taxes are paid on earnings until funds are withdrawn ($5,000 minimum investment required)


Roth IRA Advisory Accounts
Retirement account owned by a primary holder where taxes are paid on earnings and qualified withdrawals are tax-free ($5,000 minimum investment required)

Getting started is easy

1. Discover

Complete our questionnaire about your goals and risk tolerance

2. Review

Review your personalized plan, built around your goals

3. Confirm

When completely satisfied with your new plan, open your new account 

4. Fund

Fund your new advisory account from an HSBC or non-HSBC bank account (multiple funding options available)

5. Monitor

Track and monitor your advisory account performance through Wealth Track’s online client dashboard

6. Contribute

Option to contribute at regular intervals to help smooth out the effects of market movements, otherwise known as ‘dollar-cost averaging’6

Investments 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 other types of insurance are provided by unaffiliated third parties and offered through HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, National Association. 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 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.

HSBC Securities (USA) Inc. is the sponsor of HSBC Wealth Track and other advisory programs.

Material information about the Wealth Track program is disclosed in the Wealth Track Program Form ADV Part 2 Appendix 1 brochure. The Form ADV Part 2 requires investment advisers to prepare narrative brochures written in plain English that contain information such as the types of advisory services offered, the adviser’s fee schedule, disciplinary information, conflicts of interest, and the educational and business background of management and key advisory personnel of the adviser. The brochure is the primary disclosure document that investment advisers provide to their clients. Please review this document carefully before investing in the program. 

HSBC Securities (USA) Inc. is a registered investment adviser that serves as the Investment Adviser for the HSBC Wealth Track and other advisory programs. HSBC Global Asset Management (USA) Inc. provides administrative and other services to HSBC Securities (USA) Inc. HSBC Global Asset Management (USA) Inc. and certain other subadvisers receive a fee for their mutual fund investment services separate from the investment management fee charged for the Wealth Track.

HSBC Global Asset Management (USA) Inc. also serves as the adviser and administrator of the HSBC Funds, which may be among the underlying investments in the Wealth Track, Spectrum, and MPA programs. Certain HSBC Funds also have subadvisers, not always affiliated with HSBC Global Asset Management (USA) Inc., that receive fees for providing various services to the funds. Mutual funds outside of the HSBC Fund family are also offered as options in the Wealth Track, Spectrum and MPA programs and may be advised by investment managers affiliated or unaffiliated with HSBC Securities (USA) Inc., who also receive a fee for their investment services. Foreside Distribution Services, L.P., member FINRA, is the distributor of the HSBC Funds and is not affiliated with the Adviser. HSBC Securities (USA) Inc., member NYSE, FINRA and SIPC is a sub-distributor of the HSBC Funds.

United States persons 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. U.S. persons should consult a tax advisor for more information.

Diversification is a tool that may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss in a declining market. It also cannot eliminate the risk of fluctuating prices and uncertain returns.

United States persons 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. U.S. persons should consult a tax advisor for more information.

1 Wealth Track is an investment advisory product offered by HSBC Securities (USA) Inc. Wealth Track is not intended to be a complete investment program.  It uses only mutual funds, money market funds, and ETFs and does not use other investments that may have characteristics that are similar or superior to funds and ETFs.

2 Asset Allocation is a method of diversification which positions assets among major investment categories. This tool may be used in an effort to manage risk and enhance returns. However, it does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns.

3 Exchange-traded funds are subject to risks similar to those of stocks. Investment returns will fluctuate and are subject to market volatility such that an investor's shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF but must be bought and sold on an exchange like an individual equity or bond.
4 Mutual funds, money market funds, and Exchange Traded Funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling 888-809-3802.  Read it carefully before you invest.

5 The fee does not cover wire fees, bank charges, IRA/retirement account fees, and fees and expenses associated with investments in mutual funds, ETFs or other investment companies. The Wealth Track program may cost more or less than purchasing such services separately depending on the frequency of trading in the account, commissions charged at other broker-dealers for similar products, fees charged for like services by other broker-dealers, and other factors.

6 Dollar Cost Averaging is a plan of investing which allows you to take advantage of market fluctuations, but it does not assure a profit or protect against a loss in declining markets.

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