Private Investment Management. HSBC Private Wealth Services (Canada) Inc.

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1 Private Investment Management HSBC Private Wealth Services (Canada) Inc.

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3 Private Investment Management Contents An introduction to Private Investment Management 4 Your Private Investment Management team 5 Building your ideal portfolio 6 Managing and protecting your wealth 7 Maximize your financial potential 9 Whether you re looking to grow your portfolio or to preserve and protect your wealth, HSBC is your gateway to a world of opportunities.

4 An introduction to Private Investment Management The successful investment of money takes time. If personal and professional demands prevent you from giving your portfolio the attention it deserves, Private Investment Management is the ideal solution. A leader in the provision of customized wealth management solutions, HSBC Private Wealth Services (Canada) Inc. combines HSBC s global investment expertise with an in-depth understanding of you, your business and your wealth to provide an exceptional and exclusive investment experience. HSBC Private Wealth Services (Canada) Inc. is dedicated to serving high net worth clients like you by providing discretionary investment management solutions tailored to your specific needs and objectives. We rely on our stability, global reach and presence in a wide array of markets to build globally diversified portfolios. You benefit from the advice of an Investment Counsellor, an accredited professional, who will work closely with you to understand your needs. Every solution we develop and every service we provide is focused on managing your wealth today and for future generations. With HSBC s on-the-ground expertise in major financial centres around the world, we are well positioned to bring you global investment opportunities and solutions to optimize your portfolio. Through the Private Investment Management service, you benefit directly from the investment strategies and insights of HSBC s extensive network of research analysts and Portfolio Managers who are located in Canada and around the world. With operations in Europe, the Middle East, Asia and the Americas, HSBC has the international reach and local knowledge needed to uncover unique investment opportunities in both developed and emerging markets. 4

5 Your Private Investment Management team The long-term relationship that you will enjoy with HSBC Private Wealth Services (Canada) Inc. is one that is based on trust, integrity, expertise and an appreciation of your investment objectives. Great care is taken to develop a thorough picture of your personal circumstances, including your financial needs, investment goals and risk tolerance. Based on the detailed portrait of you that emerges, we will recommend an investment strategy that is appropriate for your circumstances. To ensure your portfolio receives the attention it deserves, it will be managed by a team of investment professionals dedicated to unlocking the world s potential: Your Investment Counsellor is your primary Private Investment Management contact. From the outset, he or she will devote a significant amount of time to understanding your investment objectives, time horizon and risk profile. With a full understanding of your situation, your Investment Counsellor can truly become your financial partner and help you reach your goals. Your Investment Counsellor will work with you to select the appropriate asset mix, summarize the portfolio s objectives and indicate any investment constraints in an Investment Policy Statement. Your Client Relationship Manager works closely with your Investment Counsellor to ensure that the highest standards of communication, confidentiality and administration are maintained at all times. Your Wealth Planner will work with you to set your financial goals. Areas of focus are: retirement planning, estate and legacy planning, education planning, and business transition planning. Your Wealth Planner also includes investment planning, which the Wealth Planner delivers in partnership with the Investment Counsellor. Dedicated Portfolio Managers at HSBC Global Asset Management (Canada) Limited are entrusted with the day-to-day management of your portfolio. The investment process is designed to add value to your portfolio through superior asset allocation and sector and security selection within acceptable risk tolerance levels. Investment teams situated around the world evaluate individual securities following in-depth analysis of proprietary and third-party research. 5

6 Building your ideal portfolio After taking the time to gain a clear understanding of your investment and wealth management needs, your Investment Counsellor recommends the investment strategy most appropriate for you. Whether it s a conservative strategy that emphasizes income generation, an aggressive strategy focused on growth or something in between, your personal circumstances, risk tolerance and objectives for an investment account are set out in your Investment Policy Statement. The blueprint for building your portfolio, your Investment Policy Statement will be used as the basis for portfolio management decisions made on your behalf. Your individual investment strategy and portfolio emerge out of a disciplined five-step process: Discovery Meetings are held with your Investment Counsellor to discuss and review your personal circumstances and financial goals. Objective Setting Following Discovery, your Investment Counsellor asks you questions to help you define your investment objectives, risk tolerance, time horizon, and other key characteristics for your investment account. Asset Allocation Based on discussions with you, your Investment Counsellor recommends an investment strategy with a specific asset allocation structure. Portfolio Construction Based on your investment strategy, your portfolio is constructed with investments selected by the dedicated Portfolio Managers at HSBC Global Asset Management (Canada) Limited. Monitoring & Review Ongoing monitoring of your portfolio and the markets by your Private Investment Management team aims to position your portfolio to meet your goals. 6

7 Managing and protecting your wealth Ideal asset allocation We believe that a portfolio s risk and performance can be effectively managed by carefully diversifying across the three principal asset classes (cash equivalents, fixed income, and equities). In determining the appropriate asset allocation for your portfolio, HSBC considers the latest macroeconomic data and trends, including an analysis of the business cycle, interest rate forecasts, foreign exchange and the global political landscape. Carefully chosen income and equity investments Investments in bonds, preferred equities, and mortgage-related securities are a common component of many Private Investment Management strategies because they provide regular income and stability. Your fixed-income holdings are proactively managed using a highly disciplined and structured process. When it comes to equities, your portfolio is invested in high-quality companies, diversified across industry sectors and geographic regions. Some of the key factors considered when selecting equities include: financial strength, profitability and valuation metrics, competitive positioning, quality of management and record of generating shareholder returns. Active portfolio management Your portfolio is proactively managed on an ongoing basis. The outlook for each asset class is regularly evaluated and each weighting within your portfolio is adjusted as required. In addition, the individual securities you hold are regularly reviewed to ensure your portfolio only contains investments we believe have the potential to perform given current market conditions and over your investment time horizon. Decisions related to the composition of your portfolio are based on: Your need for liquidity, regular income payments, and preservation of capital Your expected total rate of return from income and appreciation of capital The level and direction of interest rates The possible effects of inflation and other economic factors 7

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9 Maximize your financial potential When it comes to growing, preserving and transitioning wealth, it s important to have a strong, tailored plan. A sound plan helps guide your financial decisions and gives you peace of mind that the choices you make are right for you. At HSBC Private Wealth Services (Canada) Inc., you will have the resource of a dedicated Wealth Planner who can help you build a comprehensive path forward, designed specifically to meet your personal and financial goals. Our Wealth Planners do not provide specific insurance, inheritance, tax or investment advice, but are focused on providing general financial planning services. Your Wealth Planner will work with you to develop a wealth plan that encompasses the following: Financial and retirement planning Receive expert guidance on certain aspects of growing and enjoying your wealth. We can help you understand if you re on track to enjoy the retirement you have in mind, or we can help you develop an appropriate plan to get there. Risk and protection Be advised of areas in which you can benefit from having wealth preservation strategies in place. Cash flow optimization Learn if you have sufficient liquidity for today s needs, balanced with the achievement of longer-term goals. Business transition planning Receive guidance on creating and implementing a plan that focuses on the longterm success of your business when you re ready to move to the next phase of your life. Education planning Understand the anticipated future costs of your child s or grandchild s education, and your options for providing for them. Estate and legacy planning Develop a plan for an efficient transfer of assets, according to your wishes. Philanthropic planning Discover how best to support the issues and organizations that are meaningful to you. Your Wealth Planner may also provide information on tax rules or provide general information on taxes as they relate to your investments. 9

10 Our Focus HSBC Private Wealth Services (Canada) Inc. understands that some families have complex financial needs, and that every family s situation is unique. Our Investment Counsellors and Wealth Planners will work with you to create a roadmap to achieve your financial goals. For more information, contact HSBC Private Wealth Services (Canada) Inc. at to speak to an Investment Counsellor today. Important Information The Private Investment Management (PIM) service is a discretionary portfolio management service offered by HSBC Private Services (Canada) Inc. (HPWS). Under this discretionary service, assets of participating clients will be invested by HPWS or its delegated portfolio manager, HSBC Global Asset Management (Canada) Limited (AMCA), in securities, including but not limited to, stocks, bonds, pooled funds, mutual funds and derivatives. Commissions, trailing fees, management fees, custodial 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 investor protection fund or 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. The Private Wealth Planning service is offered through HSBC Private Wealth Services (Canada) Inc., a wholly owned subsidiary, but separate entity from, HSBC Bank Canada. This material has been prepared or is distributed for informational purposes only and is not a solicitation or an offer to buy any security or instrument or to participate in any trading or investment strategy. All opinions and assumptions included in this presentation are of a general nature and are for informational purposes only. The information presented is not meant to be comprehensive and does not constitute financial, legal, tax or other professional advice and should not be relied upon in that regard. You should not act upon the information contained in this document without first obtaining specific professional advice from your own advisors. While reasonable care has been taken in preparing this document, HSBC does not make any guarantee, representation or warranty (express or implied) as to its accuracy or completeness, and under no circumstances will HSBC be liable for any damage or loss caused by reliance on any opinion or statement made in this document. The information presented in this document is subject to change without notice. 10 HPWS 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. AMCA 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.

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