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 Term DepositsA term deposit provides a safe, flexible investment, at a competitive interest rate, in a number of currencies and terms. |
Tax-Free Savings Account (TFSA)Invest in a TFSA Term Deposit, TFSA Redeemable GIC or Mutual Funds TFSA4 and pay no Canadian income tax on your earnings.2 |
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GICsGuaranteed Investment Certificates (GICs) are offered in Canadian dollars and provide a safe higher guaranteed interest rate for a specific term. |
Registered Retirement Savings Plans (RRSPs)RRSPs are one of the best ways to prepare for your retirement. RRSP contributions are deductible for tax purposes, so you can defer the amount of income tax you pay – saving today while investing for tomorrow. |
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Registered Retirement Income Funds (RRIFs)Retirement income planning: shelter your savings from taxes and receive income during your retirement by transferring RRSP investments into an RRIF when you retire (or as required by December 31 of the year in which you turn 71). |
Registered Education Savings Plans (RESPs)Designed to help you save for a child’s post-secondary education, RESPs are a tax-effective, government-supported savings program. Investments within an RESP grow tax-free until the money is withdrawn. |
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LifeMap Effortless Investing®1LifeMap Portfolios®1 offer a mix of HSBC Mutual Funds suitable for your investment goals and style. Or choose LifeMap®1 Multimanager Portfolios – an option that gives you access to funds from some of the leading mutual fund companies in Canada. All it takes to get started is $500 or $25 through a regular savings plan. |
Investing in Mutual Funds1HSBC Mutual Funds – Build your own diversified portfolio and access our local and global investment management capabilities. Start with a minimum of $500 or $25 through a regular savings plan. |
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World SelectionTM 3World SelectionTM 3 – An experienced investment team manages your portfolio, taking care of the day-to-day decisions that will help secure your financial future. Includes Multimanager Program for access to a broad range of leading external investment managers. Minimum initial investment of $50,000 and subsequent lump-sum investments from $500. Contributions through a regular investment plan with a minimum of $250. |
Private Investment Management4Private Investment Management – A discretionary wealth management and investment management service that provides individuals and families with the opportunity to invest in a customized portfolio from investment markets throughout the world. It includes a Multimanager option to access leading external investment managers. Minimum portfolio size is $1 million. |
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Investment ResourcesInformation to help you with your financial research. |
Self-Directed Online InvestingInvest in the world’s major stock markets by trading online through HSBC InvestDirect. A full range of services from unlimited free real-time quotes, 1,200 no-fee mutual funds and access to award-winning research. |
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Full-Service BrokerageEnjoy making all your investment decisions with expert financial guidance based on current and comprehensive information from our global research analysts. |
1® LIFEMAP/LIFEMAP PORTFOLIO/LIFEMAP EFFORTLESS INVESTING/EFFORTLESS INVESTING/LIFEMAP & Design, are registered trademarks of HSBC Bank Canada, used under license by HSBC Investment Funds (Canada) Inc.
HSBC Mutual Funds are distributed by HSBC Investment Funds (Canada) Inc. and authorized dealers. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual Funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. Their values change frequently and past performance may not be repeated. The unit value of money market funds may not remain constant.
2 Only Canadian residents, who are over 18 years of age and have a valid Social Insurance Number, can make contributions to a Tax-Free Savings Account (TFSA). Annual contributions to TFSAs are subject to specific limits. Generally, the maximum contribution room for a year is equal to the total of unused TFSA contribution room from previous years, distributions (withdrawals) from TFSAs made in previous years and TFSA dollar limit for the year in question ($5,000 which may be increased for inflation).. The 2010 TFSA dollar limit is anticipated to be $5,000. The maximum annual contribution applies to all of your TFSAs held with HSBC or any other financial institution. Provided that contribution limits are not exceeded, income earned in a TFSA is not subject to Canadian taxes. Taxes of other countries may apply. Excess contributions to your TFSA are subject to taxes, interest and penalties. Unlike an RRSP, any money you contribute to a TFSA will not itself be tax-deductible.
3 HSBC World SelectionTM is a discretionary portfolio management service offered by HSBC Global Asset Management (Canada) Limited ("HSBC Global Asset Management"), and through authorized agents. Under this discretionary service, assets of participating clients are invested in HSBC Pooled Funds, which are mutual funds managed by HSBC Global Asset Management and distributed by HSBC Investment Funds (Canada) Inc. and other authorized dealers. Commissions, trailing commissions, management fees, investment management fees and expenses may be associated with investments in the HSBC Pooled Funds and the HSBC World SelectionTM service. Please consult a financial advisor and read the applicable account opening documentation and prospectus before applying for the HSBC World SelectionTM service. Neither the HSBC World SelectionTM service nor the HSBC Pooled Funds are guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The value of mutual fund investments changes frequently and past performance may not be repeated. The unit value of money market funds may not remain constant.
HSBC Global Asset Management is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada.
4 The Private Investment Management service is a discretionary portfolio management service offered by HSBC Global Asset Management (Canada) Limited ("HSBC Global Asset Management"). Under this discretionary service, assets of participating clients may be invested by HSBC Global Asset Management, where appropriately registered in the applicable jurisdiction, in securities, including but not limited to, stocks, bonds, pooled funds, mutual funds and derivatives. Commissions, trailing commissions, management fees and expenses all may be associated with the use of the Private Investment Management service. Neither the Private Investment Management service nor any of the securities purchased as part of the Private Investment Management service are guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The value of an investment in or purchased as part of the Private Investment Management service may change frequently and past performance may not be repeated.
