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Fixed income

Fixed income investments may offer a simple way to generate income, preserve capital and build a diversified portfolio.

What are fixed income investments?

Fixed income[@fixedincome] products like bonds may offer regular income, diversification and potential tax advantages. Discover popular types of bonds[@bondfunds], including US Treasuries [@treasurynotesandbonds], Municipal and Corporate bonds [@municipalbonds].

Why invest in fixed income with us?

Returns on investment

Individual bonds can be a useful addition to a strategy seeking to preserve capital and generate a predictable return when held to maturity, subject to the issuers credit risk[@creditrisk].

Tax-free options available

Certain bonds can offer tax-free returns on the local, state and federal levels, depending on your residency.

A wide range of securities

Explore a wide variety of fixed income products including US Treasuries, Municipal and Corporate Bonds.

Our range of fixed income products

  • Treasury notes and bonds: U.S. Government debt that carries a fixed interest rate, usually with a maturity of 1-10 years. Interest income is exempt from state and local income taxes, but subject to federal income taxes[@treasurynotesandbonds].
  • Municipal bonds: Debts issued by states, municipalities or counties that are free from federal taxes and usually free of state and local taxes[@municipalbonds]. Municipal Securities may be subject to the federal Alternative Minimum Tax.
  • Corporate bonds: Issued by domestic and foreign companies, including Emerging Markets, and sold to investors to raise capital. Corporate bonds are issued in both US Dollars and foreign currencies[@sovereignbonds].
  • Sovereign bonds: Sovereign bonds: Issued by a national government and denominated in a foreign currency[@sovereignbonds].
  • Brokered CDs: A certificate of deposit that investors purchase through a brokerage, issued by a bank[@brokeredcds].
  • Government-sponsored enterprises (GSEs) / Agency: Bonds issued by financing entities created by Congress to fund loans to certain groups of borrowers such as homeowners, farmers and students. i.e. Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) are privately owned corporations, while the Federal Home Loan Banks and the Federal Farm Credit Banks are systems comprising regional banks[@gov-sponsored-enterprises].
  • Bond Funds: A pooled investment portfolio that primarily invests in bonds including government, municipal and corporate.

Things to know

Who can invest?

Anyone can invest in a fixed income product with HSBC. However, it's important to understand there are risks associated with investing and you may experience losses or returns. 

Ready to invest in fixed income products?

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 fixed income investments, give us a call.

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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.

    Environmental, Social & Governance (“ESG”) and Sustainable Investing (“SI”)

    HSBC Securities (USA) Inc. (“HSI”) does not provide recommendations or advice on any products based on ESG or SI considerations except in certain discretionary solutions or based on HSBC Group’s* policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. For our general ESG/SI disclosure, click Disclosures- HSBC. Information about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc.

    *HSBC Group refers to HSBC’s global affiliates.

    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 adviser for more information.

    Investors should consider the investment objectives, risks and charges and expenses associated with municipal fund securities along with your specific best interest considerations before investing. Further information about municipal fund securities is available in the issuer’s official statement. The official statement should be read carefully before investing. There is always the potential of losing money when you invest in securities.

    When investing in fixed income products you should seek tax advice from your independent tax advisor.