What are mutual funds?
Mutual funds are a type of pooled investment vehicle where shareholders invest their money by purchasing shares in the fund. Speak to an HSBC Wealth Relationship Manager to receive personalized recommendations on popular investment disciplines including asset allocation, dollar cost averaging and target date investing.
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 Wealth Relationship Manager or call 866.586.4722 or for International clients call collect 847.876.1574. Read it carefully before you invest.
Why choose mutual funds?
Popular investment strategies
Asset allocation
A disciplined approach to long-term investing, designed to seek consistent exposure to markets. This approach does not guarantee a profit or protect against a loss. It also cannot eliminate the risk of fluctuating prices and uncertain returns. However, it may be used in an effort to manage risk and enhance returns.
Dollar cost averaging
A strategy in which securities, typically mutual funds, are purchased in fixed dollar amounts at regular intervals, regardless of what direction the market is moving. While this method doesn't guarantee against losses, over time, this can help to reduce the average cost of acquired shares.
Target date ("life cycle") investing
Investors choose a fund with a specified target date near a personal need or goal (such as retirement) for which they will need to access their invested funds. Though target date investing does not protect against loss of principal, the fund's risk exposure is gradually reduced as a target date draws nearer to prepare for the approaching liquidity needs.
Things to know
Who can invest?
While there isn't any eligibility to apply, there are risks associated with investing and you may experience losses or returns.
Ready to invest in mutual funds?
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 mutual funds, give us a call.
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From outside the U.S. or Canada:
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Disclaimers
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 consultation with your independent tax advisor.
Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website.
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. 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.