Top of main content

What kind of investor are you?

No matter your personality or comfort level with investing, there’s an approach that’s right for you.

No matter your personality or comfort level with investing, there’s an approach that’s right for you.

Often it takes a mix of products and strategies to achieve your financial goals. Explore how easy saving and investing can be, whether you’re just getting started or ready to try something new.

The Secure Saver

If you’re looking for a safe and secure option where your principal is protected and a guaranteed rate of return on your investment, consider Guaranteed Investment Certificates (GIC) or Term Deposits.

Highlights

  1. Choose from a variety of fixed or variable terms and interest options to best suit your needs. 
  2. You can invest in Canadian Dollars or hold GIC’s and savings in multiple foreign currencies (USD, GBP, HKD). 
  3. Secure a portion of your retirement savings (including RRSPs or TFSAs) in a term deposit or a fixed income, principal-protected GIC. Enjoy peace of mind that comes with a guaranteed return on your investment. 
  4. Best of all, you can invest, monitor and keep track of your money through HSBC online banking.

The Advice Seeker

When it comes to planning for important goals in your future, you could call a buddy, or seek-out the right advice to support your journey toward financial success. Sound advice can help you plan and decide on the right approach for your money.

Highlights

  1. Don’t be afraid to ask questions; your advisor or wealth professional is there to help explain the “ins and outs” of investing and guide you towards selecting the best solution. 
  2. Checking-in on a regular basis can help keep your portfolio healthy and your goals on track. 
  3. Take a few minutes to review your statements and other communications you receive for all of your investment portfolios and if you need help, ask; it never hurts to get a second opinion. 
  4. Explore a wide-range of investment options, including mutual funds1, managed solutions2  and Private wealth management services3 distinctly suited to you.

The Self-Starter

You like banking and shopping online and you’re thinking, “if only I could get investment advice without booking an appointment…” Now you can!

Receive an investment recommendation and start investing online today in a diversified fund1 that holds a  variety of exchange-traded funds (ETFs). Every transaction is reviewed by an HSBC Mutual Fund advisor before your money is invested.

Highlights

  1. It doesn’t take a fortune to start investing. You can begin with as little as $500. 
  2. Set up automatic contributions to get into the habit of saving regularly and help smooth out market ups and downs. 
  3. Consider maximizing your contributions to tax-efficient accounts first, such as a TFSA or RRSP, for your money to grow tax-free. 
  4. Help is just a click or phone call away, so while it may feel like you’re investing on your own, advice is always accessible.

The Guru

You’re hands-on with your investments. You enjoy doing the research and prefer to manage your own portfolio.

Self-directed online platforms allow you to trade equities, ETFs, options, bonds and mutual funds all from the comfort of your home.

Highlights

  1. Unrivalled convenience and reliability – monitor global markets and manage your accounts 24/7. 
  2. Analyze markets and identify investment trends with comprehensive investment tools and research. 
  3. With HSBC InvestDirect5 self-directed online platform, access 30 international and domestic markets  online and by phone - settle transactions in 10 currencies.

Important information:

Issued by HSBC 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.

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 and Fund Facts before investing. Except as otherwise noted, the indicated rates of return are the historical annual compounded total returns including changes in unit value and reinvestment of all distributions and do not take into account sales, redemptions, distributions or optional charges or income taxes payable by any unit holder that would have reduced returns. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated. Any compounded rates of returns are used only to illustrate the effects of the compound growth rate and are not intended to reflect the future values of the HSBC Mutual Funds or returns on investment.

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 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, and the prospectus and Fund Facts 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 government deposit insurer or financial institution, their values change frequently and past performance may not be repeated. 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.

® 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. (“HPWS”). Under this discretionary service, assets of participating clients will be invested by HPWS. 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.

4 ™ HSBC Wealth Compass is a trade-mark of HSBC Group Management Services Limited used under license by HIFC.

5 HSBC InvestDirect is 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. HSBC InvestDirect does not provide investment advice or recommendations regarding any investment decisions or securities transactions.

All products and services of HIFC, AMCA, HPWS and HIDC 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 or HPWS Investment Counsellor 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.

This information is not intended to provide professional advice and should not be relied upon in that regard. You are advised to obtain appropriate professional advice where necessary and should consult your investment representative before considering a specific transaction. Also, please consult your tax advisor to find out which strategies best suit your tax situation. HIFC has not independently verified the information and makes no guarantee or representation of, and accepts no responsibility or liability for, its accuracy or completeness. This article may provide external links that give you access to HSBC websites located in Canada and other countries. These links are provided solely for the readers' informational purposes and convenience. When readers select a link to an external website, they are subject to and governed and bound by the policies and terms and conditions of the external website. Please read the website's policies and terms and conditions before using the website. If you enter a website outside of Canada, you are advised that it may not be legal in that jurisdiction for you to use the facilities available on that website and the legal requirements of that jurisdiction may prohibit you from dealing in that jurisdiction. If you access a jurisdiction in which you are not resident, you do so at your own risk, and HSBC Group will not be liable for any breach of local law or regulation that you may commit as a result of using and accessing a website in a country in which you are not resident.

No part of this publication may be reproduced, stored in a retrieval system, or transmitted, on any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without the prior written permission of HSBC Canada.

Listening to what you have to say about services matters to us. It's easy to share your ideas, stay informed and join the conversation.