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IRAs

IRAs offer the opportunity to generate compounded earnings on a tax advantaged basis to meet retirement needs.

What is an IRA?

An individual retirement account (IRA) is a tax–advantaged retirement account that you own and control. Schedule a review with an HSBC Securities (USA) Inc. (“HSBC”) Wealth Relationship Manager to compare the features and qualifications of Roth and Traditional IRAs. 

Why invest in IRAs with us?

Supports different investment strategies

Schedule a review with an HSBC Wealth Relationship Manager to receive personalized recommendations that are suitable and in your best interest.

Access a wide range of securities

Invest in a variety of stocksFootnote link 1, mutual funds Footnote link 2, bonds Footnote link 3 and annuities Footnote link 4 Footnote link 5 that may suit your retirement goals and needs.

Generate income in retirement

Explore options to transform your retirement savings into income.

Compare Traditional and Roth IRAs

Things to know

Who can invest?

Subject to eligibility requirements, anyone can invest in an IRA with HSBC Securities (USA) Inc. However, it's important to understand there are risks associated with investing and you may experience losses. 

Ready to invest in an IRA?

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 IRAs, give us a call.

From within the U.S. or Canada:

800.662.3343

From outside the U.S. or Canada:

847.876.1574

Monday through Friday, 8am to 6pm Eastern Time

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Additional information

  1. Equity securities include common stocks, preferred stocks, convertible securities and mutual funds that invest in these securities. Equity markets can be volatile. Stock prices rise and fall based on changes in an individual company's financial condition and overall market conditions. Stock prices can decline significantly in response to adverse market conditions, company-specific events, and other domestic and international political and economic developments.
  2. 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 your HSBC Securities (USA) Inc. Financial Professional or call 866.586.4722 or for International clients call collect 847.876.1574. Read it carefully before you invest.
  3. Bonds are subject generally to interest rate, credit, liquidity and market risks, prepayments, early redemption, corporate events, tax ramifications, and other factors. Investors should consider the investment objectives, risks and charges and expenses associated with bonds before investing. Further information about a bond is available in the issuer’s Official Statement. The Official Statement should be read carefully before investing.
  4. Investments in variable products will fluctuate and values upon redemption may be less than the original amount invested. Variable annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for or in the best interest of all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Features that provide lifetime income are optional and can be purchased at an additional cost. For more complete information, contact your Wealth Relationship Manager to obtain a current prospectus. Please read the prospectus carefully before investing or sending money.
  5. Fixed annuities are designed to be long-term investments. All decisions regarding the tax implications of your investment(s) should be made in connection with your independent tax advisor. When investing in tax-deferred annuities additional risks apply and may not be suitable for all investors. Early withdrawals may impact annuity cash values and death benefits. Early surrender charges may also apply. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. If you are investing in a fixed annuity through a tax-advantaged retirement plan such as an IRA, you will receive no additional tax advantage from a fixed annuity. Under these circumstances, you should only consider buying a fixed annuity if it makes sense because of the annuity's other features, such as lifetime income payments and death benefit protection. Guarantees of a fixed rate of return are based on the claims paying ability of the issuing insurer.

Disclaimers 

Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSBC Securities), member NYSE/FINRA/SIPC. In California, HSBC Securities conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSBC Securities 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 consultation with your independent tax advisor.

Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website This link will open in a new window.

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.

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 This link will open in a new window. Information about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc This link will open in a new window.

*HSBC Group refers to HSBC’s global affiliates.

The materials and information on this site have been prepared for educational and informational purposes only and should not be considered legal advice. They are not intended to provide, and should not be relied on for, tax, legal or accounting advice. No information published on the site constitutes a solicitation, offer or recommendation to enter into any investment strategy or transaction. The information and materials herein are not and are not intended to be investment advice. They are being provided solely on the basis that they will not constitute investment advice and will not form a primary basis for any person’s or plan’s investment decisions, and HSBC is not a fiduciary with respect to any person or plan by reason of providing the material or content herein. Prior to making any financial decision, individuals should seek advice from their personal financial, legal, tax and other financial professionals that take into account all of the particular facts and circumstances of their own situation.

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.