The world's local bank
HSBC offers a range of conservative, lower-risk funds for investors seeking income. Our conservative approach to investing may provide you with the comfort you are seeking.
With low management fees, the Premium series* of HSBC Mutual Funds provide a higher rate of return on your investments than the Investor series of funds. Whatever your investment needs, we can help.
- Mortgage Funds — a smart portfolio solution (PDF)
- Manager webcast: Investing in fixed income in 2009
- Investing for Income (PDF)
Why invest in funds that provide income?
Income-producing funds can provide investors with regular income and portfolio diversification. These types of funds generally offer higher returns than savings-based investments and, in most instances, lower risk than equity-based investments – helping to reduce fluctuations in the value of your portfolio.
- A safer investment
By investing in conservative investments such as bonds, mortgages and dividend-paying shares, these funds are typically more stable than other investments.
- Steady income
These funds pay regular interest or dividend income, which you can reinvest or receive as cash.
- Potential for growth
Along with providing regular income, some income funds are designed to provide potential for capital growth over time.
A family of funds to suit your income needs
| Income Funds | Investment Time Horizon
|
Risk Level
|
Investments held by the Fund
|
Key Benefits
|
|---|---|---|---|---|
| HSBC Canadian Money Market Fund | Short-term | Low | Canadian short-term fixed income securities |
- Provides monthly income - Low risk - Highly liquid - Managed according to the HSBC Gold Standard |
| HSBC U.S. Dollar Money Market Fund | Short-term | Low | Short-term fixed income securities denominated in US dollars |
- Provides monthly income - Invests in U.S. dollars - Low risk - Highly liquid - Managed according to the HSBC Gold Standard |
| HSBC Mortgage Fund | Short- to medium-term | Low to moderate | Residential mortgages in Canada and other debt obligations, such as bonds |
- Provides monthly income - Mortgages held in fund are protected from default risk |
| HSBC Canadian Bond Fund | Medium-term | Low to moderate | Canadian fixed income securities, including bonds issued by the federal and provincial governments, mortgage-backed securities and debentures |
- Provides a level of interest income - Offers the potential for long-term capital growth |
| HSBC Monthly Income Fund | Medium- to long-term | Moderate | Income-generating securities including bonds, mortgages, preferred shares and higher-yielding common shares |
- Provides a reasonably consistent level of interest income - Aims to preserve your original investment over the medium to long term |
| HSBC Dividend Income Fund | Medium-term | Moderate | Shares of well-established companies that pay regular dividends |
- Provides quarterly dividend income - Offers the potential for medium- to long-term capital growth |
