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The HSBC Portfolio Planner is a tool that helps us formulate a complete wealth management strategy tailored specifically to your financial needs. It recognises the increasing complexity of the investment environment as well as your investment goals, and provides recommendations for asset allocation suitable to your risk tolerance level.
A. Needs Assessment
To understand your financial status, needs and your investment objectives.
B. Portfolio Allocation
Formulates a portfolio of short, medium and long term investments as well as liquid assets across various asset classes, based on your financial priorities and risk tolerance level.
C. Product Selection
Helps you select the appropriate products for your portfolio that match your risk profile.
D. Performance Monitor
Monitors your investment performance on a periodic basis and provides you with valuation statements along with regular updates.
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Capital Protected Products
A type of investment that is designed to offer capital protection as well as the opportunity to benefit from the growth of either an index, or a basket of shares. Meant for conservative investors.
Structured Deposits
Essentially a combination of a deposit and an investment product, where the return is dependent on the performance of some underlying financial instrument. Typical financial instruments linked to such deposits include market indices, equities, interest rates, fixed-income instruments, foreign exchange or a combination of these.
Structured Notes
These are financial instruments, usually structured along defined themes. Most Structured Notes assure your principal protection while return potential is linked either to the performance of an underlying index such as Dow Jones, NASDAQ or LIBOR, or a basket of stocks.
Mutual Funds
These investments combine your money with that of other investors, which is then used by a fund manager 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.
Specialised Funds
Made for a more adventurous investor, specialised funds are Mutual Funds investing primarily in the securities of a particular industry, sector, and type of security or geographic region. Because of the lack of diversification, Specialised Funds offer the potential for higher returns but they also carry a greater risk.
Wrapper Bonds
Popular among individuals with substantial amounts of capital to invest, Wrapper Bonds offer flexibility, administrative convenience and tax efficiency. Structured as unit linked insurance contracts, they allow the policy benefits to be linked in value to a wide range of assets such as cash, stocks and shares and collective investment vehicles.
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Traditional methods of saving do not always factor in the eroding power of inflation. Although fixed return products are essential, they alone may not be the most optimal way to make your money grow. Thus diversifying your investment portfolio is key.
Which is why at HSBC we have put together a portfolio of investment products from both HSBC and carefully selected third party fund providers, so you can be certain that your money grows under our care.
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Lebanon
