Registered Investment Products | HSBC Canada

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Take advantage of tax-deferred growth using the power of HSBC’s global investment insights

Whether you are planning for your child’s education, personal financial goals or retirement, HSBC offers a range of investments that help you take advantage of government programs.

name tax up to options   Full details

TAX-FREE SAVINGS ACCOUNT (TFSA)

TAX-FREE SAVINGS

UP TO $5,500 PER YEAR

VARIETY OF OPTIONS

Full details
Key features and benefits
  • Earn income on your savings, tax-free
  • Withdraw funds for any reason at any time
  • As of 2016, the annual TFSA dollar limit is $5,500 (previous annual limits were $5,000 for 2009 to 2012, $5,500 for 2013 to 2014 and $10,000 for 2015)
Additional details
  • Choose from several different TFSA options
  • Carry forward unused contribution room from year to year
Next steps
Need help?

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1-888-310-4722

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REGISTERED RETIREMENT SAVINGS PLAN (RRSP)

PLAN FOR A COMFORTABLE RETIREMENT

DEFER TAXES

ACCESS A WIDE RANGE OF INVESTMENT OPTIONS

Full details
Key features and benefits
  • Reduce your income tax today while saving for your retirement
  • Defer taxes until funds are withdrawn in retirement at a typically lower tax rate
Additional details
Need help?

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1-888-310-4722

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HSBC RRSP Ascending Rate GIC is a registered trade-mark of HSBC Holdings plc. Used pursuant to license.

® World Selection is a registered trade-mark of HSBC Bank Canada

1 HSBC Investment Funds (Canada) Inc. (“HIFC”) is a direct subsidiary of HSBC Global Asset Management (Canada) Limited (“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.

AMCA is the manager and primary investment advisor for the HSBC Mutual Funds. 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 prospectus, Fund Facts, and other disclosure documents before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The net asset values of all mutual funds, including the HSBC Mutual Funds, may change frequently and any past performance may not be repeated. For money market funds, there can be no assurances that such funds will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

2 HSBC World Selection® Portfolio is a portfolio investment service offered by 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 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 associated with HSBC World Selection Portfolio, the prospectus, Fund Facts, and other disclosure documents of the HSBC Pooled Funds in which investment may be made under HSBC World Selection Portfolio service 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 or financial institution. For money market funds, there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. The net asset values of all mutual funds, including the HSBC Pooled Funds, may change frequently and any past performance may not be repeated.

 

REGISTERED EDUCATION SAVINGS PLAN (RESP)

TAX-DEFERRED SAVINGS

UP TO $50,000 PER BENEFICIARY

Full details
Key features and benefits
  • Save for your child’s or grandchild’s future education needs
  • Earn up to 20% more with government grants
  • Pay no tax until the funds are withdrawn for educational purposes
  • Withdraw funds at the child’s typically lower tax rate
Additional details
  • Up to $50,000 can be contributed for each beneficiary
  • Contributions can be made until the beneficiary turns 31 (government grants only available until the beneficiary turns 17)
  • Transfer funds between 2 or more children (or grandchildren)
  • Choose from a wide selection of investments with HSBC Mutual Funds or HSBC InvestDirect
Need help?

Call toll-free
1-888-310-4722

Find a branch

® World Selection is a registered trade-mark of HSBC Bank Canada

1 HSBC Investment Funds (Canada) Inc. (“HIFC”) is a direct subsidiary of HSBC Global Asset Management (Canada) Limited (“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.

AMCA is the manager and primary investment advisor for the HSBC Mutual Funds. 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 prospectus, Fund Facts, and other disclosure documents before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The net asset values of all mutual funds, including the HSBC Mutual Funds, may change frequently and any past performance may not be repeated. For money market funds, there can be no assurances that such funds will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

2 HSBC World Selection® Portfolio is a portfolio investment service offered by 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 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 associated with HSBC World Selection Portfolio, the prospectus, Fund Facts, and other disclosure documents of the HSBC Pooled Funds in which investment may be made under HSBC World Selection Portfolio service 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 or financial institution. For money market funds, there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. The net asset values of all mutual funds, including the HSBC Pooled Funds, may change frequently and any past performance may not be repeated.

 

REGISTERED RETIREMENT INCOME FUND (RRIF)

PROTECT YOUR SAVINGS IN RETIREMENT

RECEIVE AN INCOME

DEFER TAXES

NO MAXIMUM WITHDRAWALS

Full details
Key features and benefits
Additional details
  • Annual minimum withdrawal required
  • GIC RRIFs are redeemable at any time
  • No service charges and no administration fees except for transferring out to another Financial Institutions

® World Selection is a registered trade-mark of HSBC Bank Canada

1 HSBC Investment Funds (Canada) Inc. (“HIFC”) is a direct subsidiary of HSBC Global Asset Management (Canada) Limited (“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.

AMCA is the manager and primary investment advisor for the HSBC Mutual Funds. 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 prospectus, Fund Facts, and other disclosure documents before investing. Mutual funds are not guaranteed or covered by the Canada Deposit Insurance Corporation, HSBC Bank Canada, or any other deposit insurer. The net asset values of all mutual funds, including the HSBC Mutual Funds, may change frequently and any past performance may not be repeated. For money market funds, there can be no assurances that such funds will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you.

2 HSBC World Selection® Portfolio is a portfolio investment service offered by 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 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 associated with HSBC World Selection Portfolio, the prospectus, Fund Facts, and other disclosure documents of the HSBC Pooled Funds in which investment may be made under HSBC World Selection Portfolio service 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 or financial institution. For money market funds, there can be no assurances that the fund will be able to maintain its net asset value per security at a constant amount or that the full amount of your investment in the fund will be returned to you. The net asset values of all mutual funds, including the HSBC Pooled Funds, may change frequently and any past performance may not be repeated.

Need help?

Call toll-free
1-888-310-4722

Find a branch

 

FIXED RATE OPTIONS IN YOUR RRSP

GUARANTEED INTEREST RATE

CHOICE OF TERMS

RANGE OF INVESTMENTS

Full details
Key features and benefits
Additional details
  • Terms available from 6 months to 5 years
  • No service charges or administration fees
Next steps
Need help?

Call toll-free
1-888-310-4722

Find a branch

HSBC RRSP Ascending Rate GIC is a registered trade-mark of HSBC Holdings plc. Used pursuant to license.

 

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