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Benefits of Managed Solutions

Maximize your return potential and minimize risk with a diversified Managed Solution.

Benefits of Managed Solutions

Having the right mix of investments in a portfolio is key to maximizing your return potential, while minimizing risk. Managed Solutions give you the flexibility and peace of mind that come from a diversified portfolio of asset classes for every type of investment objective and risk tolerance.

Bundle up to match your investment goals

Just like deciding on a TV bundle service, you may be inundated with choices when it comes to selecting investment solutions. Leave the decision-making to the experts! By opting for a bundle of investments, you don’t have to choose individual funds to include in your portfolio. With an all-in-one managed solution, you also benefit from ongoing professional money management, including proactive response to changing market conditions. This ensures your investment remains inline with your financial goals and tolerance for risk.

Something for everyone: Choose from five investment options

In general, investors who have a longer timeframe to reach their financial goals or a higher tolerance for risk can benefit from a diversified mix of investments focused on capital appreciation. These investors have more time to ride out the market’s ups and downs and can benefit from the potential for higher returns in the long term. Investors with shorter investment time horizons, or a lower risk tolerance, may opt for a more conservative investment mix to reduce fluctuations in portfolio returns and help preserve their assets.

At HSBC, our suite of Managed Solutions offers a variety of investment risk profiles from Conservative to Aggressive Growth. Our range of solutions meets the needs of various types of investors. 

Risk profiles graph - low risk to high risk

Source: HSBC Global Asset Management (Canada) Limited, 2020. For illustrative purposes only.

Common denominators of successful investing

Constructing a Managed Solution requires a deliberate and precise investment process that may follow three essential steps:

1. Strategic asset allocation

What: Refers to a long-term portfolio strategy that involves choosing asset class allocations and periodically reviewing these allocations. 

How: Strategic asset allocation supports a diversified portfolio by providing access to a mix of asset classes and investment vehicles in both domestic and foreign markets. Our Portfolio Managers help recommend an optimal “bundle,” or asset mix, to meet individual investment goals and risk tolerances. They monitor the portfolios and proactively make changes to them so you don’t have to.

Why: Choosing the right asset allocation is one of the most important investment decisions, so it’s crucial to get it right from the get-go. The asset allocation recommended to investors like you, should reflect your financial goals and the risk level that you are comfortable with — giving you the peace of mind to stay calm and remain invested even during times of market volatility.

2. Tactical asset allocation

What: This is the process of periodically adjusting the weightings of assets in a portfolio and buying or selling assets to maintain the desired level of investment risk and return expectations.

How: Our “boots-on-the ground” investment experts, located in 25 countries around the world, provide Portfolio Managers with insight to regularly evaluate and implement the best asset mix adjustments (buying and selling) in the short term.

Why: Portfolio Managers can capture emerging opportunities and protect against potential emerging risks, while keeping your portfolio within your risk profile and investment objective. You won’t have to worry about rebalancing your portfolio when markets experience significant fluctuations because it’s done automatically.

3. Implementation

What: This is the assessment of the most appropriate method of fulfilment for each asset class within a Managed Solution.

How: Implementation requires selecting investment vehicles with different management styles such as Active and Passive strategies.

Why: Portfolio construction is not a one-and-done deal — it requires ongoing assessments and adjustments due to changes in the industry, investment landscape or as market conditions dictate. 

A comprehensive suite of Managed Solutions

Our Managed Solutions vary in minimum account size, types of investments and level of flexibility and diversification. Here’s what we offer:

Minimum account size: $500

  • A convenient “do-it-yourself investing (with advice)” online solution
  • Invests primarily in funds that have a passive investment strategy managed by HSBC Global Asset Management or other investment managers
  • Currently invests in exchange traded funds that track a broad market index
  • Lower management fees and online fulfillment makes this our most cost efficient investment vehicle
  • Benefits from Strategic Asset Allocation

 

Learn more about HSBC Wealth Compass Funds

HSBC Wealth Compass(TM) Funds(1) 

HSBC World Selection® Diversified Funds(1) 

HSBC World Selection® Portfolio(2) 

Private Investment Management(3) 

* This article is for information purposes only and is not intended to provide specific financial, legal, tax, investment, or other advice, and should not be relied upon in that regard. You should not act or rely on the information without seeking the advice of a professional. Please consult your tax advisor to find out which strategies best suit your tax situation.

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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.

All products and services of HIFC and AMCA are only available for sale to residents of Canada, unless the laws of a foreign jurisdiction permit sales to its residents. Please contact your HSBC Mutual Fund Advisor for more details. The contents of this site should not be considered an offer to sell or a solicitation to buy products or services to any person in a jurisdiction where such offer or solicitation is considered unlawful.

1 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. The management expense ratio (“MER”) is the total management and operating expenses (operating expenses include a portion of the expenses of the underlying funds and taxes on the management fee but excludes certain distributions, brokerage commissions on securities transactions and foreign withholding taxes) of each fund expressed as a percentage of the average net asset value of that fund for that financial year. 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 or financial institution. 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.

HSBC Wealth CompassTM is a trade-mark of HSBC Group used under license by HIFC.

2 HSBC 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.

® World Selection is a registered trademark of HSBC Group Management Services Limited.

3 The Private Investment Counsel provide the Private Investment Management service, which is a discretionary 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.

HSBC Private Wealth Services (Canada) Inc. is a wholly owned subsidiary of, but separate entity from, HSBC Bank Canada and provides services in all provinces of Canada except Prince Edward Island.

References to the "HSBC Group" are references to HSBC Holdings plc its subsidiaries and affiliated companies. HSBC Holdings plc is a public limited company registered in England and Wales under Company Register Number 617987 and with its registered office at 8, Canada Square, London, England E14 5HQ.

Expiry date: September 30, 2021

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