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Wealth Management
When investing, think global, act local.
- Managing your wealth
- Wealth Management Service
- A closer look at investments
- Attitudes towards investment
- The benefits of investing
- Investment options
- Other Services
- Your next step
- Important notes
Managing your wealth
Like most people, you probably have a lot of questions about how best to manage your wealth. While there are a lot of options, they can be quite confusing.
No matter what your hopes and concerns, think how helpful it would be to get sound, objective, professional advice from an organisation you can trust. Like HSBC. You will benefit from our unique combination of local experience and global resources.
All of our offices around the world are staffed by local people. It’s their insight that allows us to recognise financial opportunities invisible to outsiders. But those opportunities don’t just benefit our local customers. Innovations and ideas are shared throughout the HSBC network, so that everyone who banks with us can benefit.
Our Wealth Management Service is specifically designed for people like you, who appreciate expert guidance on managing wealth.
Wealth Management Service
Our Wealth Management Service offers advice on a wide range of global products and services.
We offer free advice and a personalised interview to help you plan the way ahead. We offer extensive advice to companies as well. Our team of dedicated advisors can make sure that your financial needs and objectives are taken care of.
Financial Planning Managers
We have a large team of experienced Financial Planning Managers who are highly trained experts with specialised knowledge of financial planning. Committed to providing helpful, attentive, professional service to every client, they will work with you towards developing your detailed Financial Plan. This will be a comprehensive blueprint and live working document to establish the platform for your future.
It takes special qualities to become one of our Financial Planning Managers. They have attained the professional qualifications of either the Financial Planning Certificate or Certificate for Financial Advisors or its equivalent.
Financial planning that focuses on your needs
To begin with, we devote as much time as is necessary to acquire a full and clear understanding of your short, medium and long term objectives.
We focus on every aspect of your financial needs to develop a comprehensive, individually tailored Financial Plan to help achieve your financial aims and ambitions. Once the plan is carried out, we regularly monitor your progress to check that you are still on track to reach your goals. And, in the future, whenever your financial circumstances change, we will always be there to advise you.
Independent Advice
We have put together a portfolio of products both from HSBC and a variety of other top performing providers, so you can be certain that not only are the strategies tailored to meet your requirements, but the solutions are provided by market leaders in their particular fields.
A closer look at investments
Now let’s take a closer look at investment motivations, attitudes towards investment and the benefits of investing. What motivates a person to invest, rather than spend money immediately? The most common answer is to accumulate wealth and provide for the future. To increase wealth, people need to manage their savings to make them grow. What they do to increase their savings over time is called investment.
Thus, investment is the commitment of money for a period of time in order to derive larger future returns. The definition of investment is to sacrifice present value for future value.
Attitudes towards investment
It is important to understand the risk and returns of investments. This is where our Financial Planning Managers can guide and help you make the right decisions. The graph above provides a perspective on the equation between the risks and returns of several investment assets. Please note that while the graph is not illustrated to proportion, it gives you a relative idea of the level of risk and expected return of those assets.
The benefits of investing
Retaining cash deposits can earn a rate of return. However most people do not consider the eroding power of inflation on their savings. So although it is important to keep sufficient money for day-to-day use, deposit accounts alone may not be the best way to make your money work hard enough for you. History has shown that over the longer term, equity based investments have outperformed bank deposits.
Investment options
Whether you are a cautious investor or a more adventurous one, you have a wide range of investments to choose from.
However, it is always wise to diversify your portfolio to balance the risk/return equation.
Bank Deposits
Traditionally the most common form of investment, they offer capital security and are linked to interest rate movements. These investments should form part of your portfolio to give you immediate access to some of your capital for everyday needs.
Capital Protected Products
This type of investment offers security of capital as well as the option to benefit from the growth of either an index, or a basket of shares. If you have a conservative investment outlook and are looking for potentially greater returns compared to bank deposits, these funds could be ideal for you.
Mutual Funds
These investments combine your money with that of other investors in one big pool of money. The fund manager uses that money to pursue one or more investment objectives, such as long-term growth or income, by purchasing stocks and bonds from many different markets. The value of these investments fluctuates according to the investments held within the fund. They offer the benefits of diversification, professional management, liquidity and convenience.
Hedge Funds
These funds utilise a variety of financial instruments to balance risk, enhance returns and minimise the correlation with equity and bond markets. Many hedge funds are flexible in their investment options as professional fund managers can choose different methods of investment compared to those used by mutual fund managers. Although traditionally associated with higher risk/reward, HSBC is also able to offer some of these funds with a capital protection feature where the investment is held for the long term.
Islamic Investments
At HSBC, we cater for Islamic investors as well. All our Islamic funds are compliant with Shariah Law and vary in design from mutual to capital protected funds. They have all been through a screening process, which excludes companies that operate against Shariah principles.
Specialised Funds
If you are a more adventurous investor, you can include these funds in your portfolio. While they offer the potential for higher returns, they also carry a greater risk as illustrated in the previous graph.
Other Services
Our Wealth Management Service goes beyond investments. We also offer advice on the following areas:
Protection Planning
We review your plans and needs in this area as it forms part of your overall financial security for you and your family’s future.
Education Planning
We provide a structured approach to meet the needs of your family, to ensure their education fees are catered for.
Retirement Planning
We will provide advice, which will aim to enable you to retire when you want and with adequate provisions in place, in order to enjoy life to the full when you stop working.
Your next step
We welcome you to make the most of this unique service. All you have to do is call us, and one of our Financial Planning Managers will arrange for a meeting with you to discuss your financial needs and goals. He or she will give you invaluable advice to help make your money work harder for you.
Please e-mail us or call us at any of the listed numbers or visit any
HSBC branch. It will be time well spent!
Tel: +962 6 5507000 Ext: 820
Fax: +962 6 5529743
Important notes
The above contents are issued by HSBC Bank Middle East Limited for information only and do not constitute an invitation or solicitation to purchase or subscribe for investments in any jurisdiction or to any person to whom it is unlawful.
As with any investment where the underlying investments are stocks and shares, the price of the units in the fund and the income from them may fall below the original investment.
This may also happen as a result of changes in the rate of exchange where overseas securities are held. The information and statistical data contained herein have been obtained from sources which HSBC believes to be reliable; HSBC makes no guarantee, representation or warranty and accepts no responsibility as to its accuracy or completeness.
Past performance cannot necessarily be taken as an indication of future performance. No liability is accepted whatsoever for any direct or consequential loss arising from the use of this document. No part of this document may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic or mechanical photocopying, and recording or otherwise, without prior permission of HSBC.
Investments in any fund are not insured or guaranteed by HSBC and subject to risks stated in the prospectus. Please obtain a copy of the prospectus prior to investing in any funds.
HSBC Bank Middle East Limited is a member of the HSBC Group, one of the world's largest banking and financial services organisations, with some 10,000 offices in 76 countries and territories in Europe, the Asia-Pacific region, the Americas, the Middle East and Africa.
