Investment Solutions, New to Canada Banking | HSBC Canada

Products and Services for Newcomers to Canada

Invest in a world of opportunities at HSBC

As you start your new life in Canada, there are several investment options that let you take advantage of HSBC's local and global investment expertise.

Investment products

Term Deposits

Guaranteed Investment Certificates (GICs)

Tax-Free Savings Account (TFSA)1

Registered Education Savings Plan (RESP)

Registered Retirement Savings Plan (RRSP)

Registered Retirement Income Fund (RRIF)

HSBC Mutual Funds2

HSBC World Selection® Diversified Funds3

Investment services


HSBC World Selection® Portfolio Service4

Take advantage of investment opportunities from around the world with HSBC World Selection® Portfolio service. This premium managed-portfolio service offers a globally diversified mix of investments that are selected and monitored by local and global investment managers.

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HSBC Private Investment Management5

HSBC Private Investment Management is a discretionary investment management service that combines HSBC's global investment expertise with an in-depth understanding of you, your business, and your wealth to offer you an exceptional and exclusive investment experience. Benefit from the expertise of a dedicated Investment Counsellor and Portfolio Manager who can create, implement and manage an optimal investment strategy for you.

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Self-Directed Online Investing

Build and manage your portfolio with the unparalleled global and local investment opportunities available to you through HSBC InvestDirect6. Gain control of your own investments with access to industry investment tools and service at your fingertips.

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Investment Insights Centre

Access investment insights and news that can help you stay informed about markets and the economies around the world.

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1 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 ($5,500 which may be increased for inflation). 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.

2 HSBC Global Asset Management (Canada) Limited (“AMCA”) is the manager and primary investment advisor for the HSBC Mutual Funds. HSBC Investment Funds (Canada) Inc. (“HIFC”) is the principal distributor of the HSBC Mutual Funds. HSBC Mutual Funds are also distributed through authorized dealers. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the HSBC Fund Facts 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. HIFC is a direct subsidiary of AMCA and an indirect subsidiary of HSBC Bank Canada, and provides its services in all provinces of Canada except Prince Edward Island. AMCA is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada and provides its services in all provinces of Canada except Prince Edward Island.

3 Offered by HSBC Investment Funds (Canada) Inc.

4HSBC World Selection® Portfolio is a portfolio investment service offered by HSBC Investment Funds (Canada) Inc. ("HIFC"). In this service, a client's assets are invested in model portfolios. Each model portfolio is comprised of investments in HSBC Pooled Funds, which are mutual funds managed by HSBC Global Asset Management (Canada) Limited ("AMCA") and distributed by HIFC. AMCA provides discretionary investment management services to the portfolios in the HSBC World Selection Portfolio service. Commissions, trailing commissions, management fees, investment management fees and expenses all may be associated with investments in the HSBC Pooled Funds and/or the HSBC World Selection Portfolio service. Please read the applicable account opening documentation and HSBC Fund Facts  before applying for the HSBC World Selection Portfolio service. The HSBC World Selection Portfolio service and the HSBC Pooled Funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The value of mutual funds may change frequently and past performance may not be repeated. The unit value of money market funds may not remain constant. HIFC is a direct subsidiary of AMCA and an indirect subsidiary of HSBC Bank Canada, and provides its services in all provinces of Canada except Prince Edward Island.
AMCA is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada and provides its services in all provinces of Canada except Prince Edward Island.
®HSBC World Selection is a registered trademark of HSBC Bank Canada

5 The Private Investment Management service is a discretionary portfolio management service offered by HSBC Private Wealth Services (Canada) Inc. Under this discretionary service, assets of participating clients will be invested by HSBC Private Wealth Services (Canada) Inc. or its delegated portfolio manager 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.

6 HSBC InvestDirect, a division of HSBC Securities (Canada) Inc., a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada. HSBC Securities (Canada) Inc. is a member of the Canadian Investor Protection Fund. Member – Canadian Investor Protection Fund