HSBC Freedom Plus Nominee Service
HSBCFreedom PlusNomineeService
Freedom Plus by HSBC2ContentsWhat is Freedom Plus?3Why Freedom Plus?4Advice and guidance when you need it7What happens once you’ve invested?9Switch investments as your needs change10Other things you need to know11Further information or how to apply13
Freedom Plus by HSBC3What isFreedom Plus?Freedom Plus is HSBC Bank Plc, Jersey Branch’snominee service which provides the only way to investin HSBC Global Investment Funds and HSBC Portfolios,which are managed by HSBC Global Asset Management.Choose from portfolios depending on your appetitefor risk and reward. Each portfolio has differentinvestment objectives and are designed to providevarying levels of risk and potential reward.All the funds available to you within the FreedomPlus nominee service benefit from:Please remember that the value of investments, and anyincome received from them, can fall as well as rise, is notguaranteed and you may not get back the amount youinvested. This could also happen as a result of changes incurrency exchange rates, particularly where overseassecurities are held or where investments are convertedfrom one currency to another. Global brand: HSBC is one of the largest bankingand financial services organisations in the world.HSBC’s international network comprises around7,500 offices in 87 countries and territories inEurope, the Asia-Pacific region, North, Centraland South America, the Middle East and Africa(as at 30 June 2018).Global perspective: Our funds can be used toaccess markets in nearly every corner of the globe,illustrating the breadth of our capabilities. We aimto provide unique insights, investment opportunitiesand access to investment excellence worldwide. Global emerging markets focus: As an emergingmarkets asset management businesses, HSBC GlobalAsset Management has USD468.3bn (as at 30 June2018) of assets under management. Global quality: The multi-specialist nature of ourinvestment businesses means that the funds withinour ranges are each managed by specialist teams,based in key financial centres around the world.Our investment strategies represent capabilitieswhere we believe we have an edge. Our expertteams are focused on achieving the best possibleresults in their discipline. Investments to suit you: Our expertise andresources allow us to offer you a range ofsolutions designed to meet your investmentobjectives – whether as part of a wider portfolio,or as a single fund.We always recommend that any Investments held shouldbe viewed as a medium to long-term investment, at leastfive years.Investors are advised to consider carefully the special riskof investing in emerging market securities. Investments inemerging markets are by their nature higher risk andpotentially more volatile than those inherent in someestablished markets.
Freedom Plus by HSBC4Why Freedom Plus?Investments into HSBC Portfolios or HSBC GlobalInvestment Fund ranges, is provided to HSBC Bank plc,Jersey Branch by the Freedom Plus nominee service.The benefits of holding your investments through theFreedom Plus nominee service are: simplifies the administration of your HSBC Portfoliosand HSBC Global Investment Funds investments; we will manage customer communications,valuations etc; we will act in accordance with your instructions,make arrangements for the purchase and sale ofyour HSBC Portfolios and HSBC Global InvestmentFunds investments; comprehensive reporting with all your FreedomPlus holdings shown on one half-yearlyvaluation statement; online access and transactions; the ability to buy, sell and switch between HSBCPortfolios and HSBC Global Investment funds;* and the option to invest on a regular basis and build upyour investment portfolio over a period of time, ormake one single payment. You can make furtherpayments to top up and add to your investmentaccount whenever you wish.How to investWe offer two ways to invest – a lump sum investmentor a Regular Investment Plan. The minimum investmentamount for lump sum investment is /US / 10,000 and /US / 250 per month for MIP.Lump sum: If you opt for a lump sum investmentyou can top up your fund whenever you like.There is no maximum investment amount and we canaccept settlement in any major currency.Regular Investment Plan: Many people find thatinvesting a set amount each month is an attractive way ofbuilding up a substantial investment portfolio. Thereforewe also offer a Monthly Investment Plan. A monthlystanding order will be taken from your chosen bankaccount and you will be required to keep making monthlycontributions until you have invested at least theminimum investment amount.*The HSBC Global Investments Funds and HSBC Portfolios are two different fundstructures. This means that if you wish to switch between the two different structures,the transaction will be treated as a separate redemption, followed by a subscription.This is because we must first await confirmation of the redemption settlementamount before we are able to process the subscription side of the transaction.As a consequence, you will be out of the market in the period between theredemption and subscription trades being processed.
Freedom Plus by HSBC6HSBC Portfolios World SelectionHSBC Global Investment FundsWhat is HSBC Portfolios World Selection?What is HSBC Global Investment Funds (GIF)?HSBC Portfolios World Selection is a multi asset product,designed for investors seeking portfolio diversificationthrough one single investment.HSBC Global Investment Funds (GIF) is HSBC’s globalflagship fund range. This covers a range of asset classesand investment styles, as well as geographical regions.Who manages the HSBC World SelectionPortfolios?How are the HSBC GIF funds managed?World Selection is currently managed by the Multi-Assetteam at HSBC Global Asset Management (UK) Limited,which forms part of HSBC Global Asset Management.The global reach of this team adds value through expertinsight and allows them to leverage their marketknowledge when building globally diversified solutionsfor customers.How are the HSBC World Selection Portfoliosstructured?The HSBC World Selection Portfolios are structured assub-funds of HSBC Portfolios, a Luxembourg basedSICAV (Société d’Investissement à Capital Variable).The GIF range of funds is currently predominantlymanaged by HSBC’s active fundamental investmentteams and global quantitative investment teams.Some funds in the HSBC GIF range are managedby other specific managers within the HSBC Group.How are the HSBC GIF funds structured?HSBC Global Investment Funds is structured as aSICAV (Société d’Investissement a Capital Variable)and is domiciled in Luxembourg. At HSBC GlobalAsset Management, we bring you the best of whatour multi-specialist investment teams have to offerthrough a widely distributed product range.The HSBC World Selection Portfolios fund range consistsof five funds.Each fund has a different risk level designed to matchinvestors’ different risk appetite. World SelectionPortfolios have a recommended minimum investmentperiod of five years.The HSBC World Selection Portfolios each hold a mixof various different asset classes aiming to provide, overthe long term, improved risk-adjusted returns relative toa single asset class investment.Please note the Freedom Plus nominee service is not available to residents of the United States of America or Canada. Additional restrictions may apply depending on the fund selected.Please refer to the relevant fund brochure.
Freedom Plus by HSBC7Advice and guidancewhen you need itFund informationAlong with this core brochure, you will be provided withfund brochures, which provide more detail on the fundranges which may be of interest to you.Advice and guidance when you need itShould you need advice, or are unsure of the suitabilityof an investment, your Premier Wealth Manager will beable to give you any guidance and support you need toensure that the funds you select are the right choice foryou. If you do not have a Premier Wealth Manager,please speak to your Relationship Manager who willarrange for a Premier Wealth Manager to provide youwith guidance and support.For fee-based financial advice in the Channel Islands andIsle of Man or UK resident customers, financial advice ispaid for by an explicit charge. Your Premier WealthManager will supply details of these charges. For financialadvice outside of these territories, commission will bepayable. For further details, please refer to the ‘charges’section on page 8 of this brochure.Please read a copy of the Fund prospectus, Fundfact sheet, Key Investor Information Document,Application and Freedom Plus Terms andConditions which are all available fromexpat.hsbc.com/jerseyfundinvestmentsFor administration related queries, please call 44 1534 616 270. (Monday to Friday exc. UKand Jersey Bank Holidays, 9am to 5pm UK time).To help us continually improve our services and in theinterests of security we may monitor and/or record yourcommunications with us.
Freedom Plus by HSBC8Freedom Plus Nominee Service ChargeFund chargesThere is no specific charge for the Freedom Plus service.However, it is important to note that charges will applyfor investing in the funds available via the Freedom Plusservice as well as ongoing fund charges.The charges vary depending on which fund you choose.The following information is a description of each typeof charge; however please refer to the relevant fundbrochure and prospectus for the exact charges for thefunds you have chosen.Initial chargeThe initial charge is taken prior to purchasing your sharesin the fund which is placed at the bid price. The initialcharge is a one-off fee and therefore will not be refundedif you decide to cash in your investment. There is nocharge when you sell your shares.Advised chargeWhile there are no charges in the Freedom Plus nomineeservice, fees may be applicable for the advice you receivefrom your Premier Wealth Manager.Annual management chargeAn annual management charge is levied on eachof the funds according to the complexity and costsinvolved in managing the underlying investments ofeach fund. Some funds may also be subject to aperformance fee. The annual management charge will notbe taken as an explicit deduction from your investment, itis calculated into the price of the fund shares.Ongoing Charges Figure (“OCF”)The OCF, provides a measure of what it costs to investin a fund on an ongoing basis. The OCF is made up ofthe Annual Management Charge and other operatingcosts. Other operating costs may include the costs forother services paid for by the fund, such as the feespaid to trustees (or depositaries), custodian, auditorsand regulators. Please refer to the Key InvestorInformation Document for each individual fundfor more details on the OCF.
Freedom Plus by HSBC9What happensonce you’veinvested?There are a number ofways for you to accessyour investment.You can save time by accessing your funds throughonline banking where you’ll be able to access youraccount 24 hours a day, wherever you are in the world.You’ll also enjoy the convenience of being able to buy,sell and switch between selected funds and view thevalue and standing of your investments*.Prices for fundsBy phone 44 1534 u can find indicative prices online atexpat.hsbc.com/jerseyfundinvestmentsRegular information Monthly fact sheets for each fund providing funddetails, investment holdings and performanceare available online at expat.hsbc.com/jerseyfundinvestments A valuation of your investments will be sent to youtwice a year Annual and half-yearly reports containing financialinformation for the funds will be available online*To manage your investment through the Online Banking Service you will need an HSBC Expat account. To find out more and for full details of the accounts available and the terms andconditions of these accounts please visit the website or speak to your Premier Wealth Manager. Minimum amounts and charges may apply - Please see the website for terms andconditions. Please note Online instructions can only be received from HSBC Expat customers.
Freedom Plus by HSBC10Switching investmentsas your needs changeSell, switch, buyDividendsYou can give us further instructions to buy, sell, switchor top up your investment.Depending on your choice of fund, dividends may bepaid. Where dividends are declared, they are normallyon an annual basis. For certain bond funds interimdividends may also be paid.Cashing in your investmentPlease remember, these funds should be consideredas a medium to long-term commitment, for exampleat least five years.However, you can cash in all or part of your investmentat any time at no charge. When you cash in yourinvestment you will receive the bid value multiplied bythe number of shares you sell. Further informationregarding dealing may be found at the DealingInformation section on page 11 of this brochure.The minimum withdrawal amount is US / / 250. If youonly wish to sell some of your shares, you will need tomaintain the minimum investment amount.If you have invested a lump sum you can choose to havedividends remitted to your nominated bank account,however they must amount to at least US / / 50.If the above criteria are not met, or you do not choose tohave dividends paid, dividends will be used to purchaseadditional shares in the same fund. We do not make anyinitial charge for reinvestment of dividends so this can bean efficient and easy way to increase your investment.
Freedom Plus by HSBC11Other things youneed to knowWhat confirmation will you receive?Dealing InformationA contract note will be sent to you. This will be withinfour business days following the settlement date. Weconsider a business day to mean the days between andincluding Monday to Friday, not including UK and Jerseypublic holidays.Share prices of the funds are calculated at variabletimes. For specific dealing times pertaining to yourfund choice please see the relevant fund brochure inconjunction with this brochure which will be providedto you by your financial adviser. Alternatively, pleaserefer to expat.hsbc.com/jerseyfundinvestmentsProspectusIf you have a financial adviser: your Premier WealthManager will supply you with a link to the prospectusfor your chosen fund.No financial adviser: You must ensure that youobtain a copy of the prospectus before you invest.These can be obtained from HSBC Bank plc, JerseyBranch, HSBC House, Esplanade, St Helier, JerseyJE1 1HS, Channel Islands or by email atwealth.business.services@hsbcib.com or onthe website expat.hsbc.com/jerseyfundinvestmentsThe proceeds from the sale of your shares will be paid toyou within five business days following receipt of yourwritten confirmation. Signed instructions are not requiredif you are using online banking.Please note, instructions to pay proceeds to a third partywill not be accepted.Remember, the funds must be viewed as a mediumto long-term investment. Therefore we recommend youtake at least a five year view and have a sufficient cashreserve so you don’t have to draw on your investmentin an emergency. However, should you need to, you cancash in your investment at any time, subject to any feeswhich are due. Should you be in any doubt on theinformation provided to you, your Premier WealthManager can provide you with financial advice.
Freedom Plus by HSBC12Cancellation rightsTaxYou should be aware that there are no cancellation rightswhen you purchase shares in any of the funds offered viaFreedom Plus. If we have to cancel your investment forany reason, we reserve the right to charge you for all thecosts incurred.For UK Resident Investors: The share classes of the HSBCPortfolios - World Selection (Luxembourg registered) thatare available for distribution in Jersey have UK ReportingFund status. UK taxation rules apply and you shouldalways seek professional advice.Nominee InformationAs with any investment, you should ensure that the fundis appropriate not only to your tax position but also toyour personal investment needs. Since tax rules differfrom country to country and neither we nor any memberof the HSBC Group provide tax advice, we recommendyou seek professional advice if you are unsure about yourpersonal tax obligations. It is your responsibility todisclose your income to the relevant tax authorities.All Shares purchased pursuant to an investment throughthe Freedom Plus service shall be acquired by us.Accordingly, for all investors, the legal title to thoseShares will be held by the Nominee. We acknowledgeyou have made an investment in a Fund via the FreedomPlus service and we consider you to be the ultimatebeneficial owner of the relevant Shares held by theNominee on our behalf and to your order. The Shares willnot be sold or amended, in whole or in part, without yourauthority or without due notice having been given to youin writing.The Nominee will forward all documents that are issuedto you (with the exception of annual and half-yearlyreports which are available online or on request).You will not hold direct voting rights. Full details ofthe terms of the nominee service can be found in theApplication Terms and Conditions and Nomineeservice Agreement.Any tax information in this brochure is based on ourunderstanding of current and proposed legislation andpractice. Tax rules may be subject to change.
Freedom Plus by HSBC13Furtherinformationand howto applyHSBC Bank plc, Jersey BranchHSBC House, Esplanade, St Helier,Jersey JE1 1HS Channel Islands.You can apply directly through the Online BankingService at expat.hsbc.com/jerseyfundinvestmentsor by speaking to your Premier Wealth Manager.Please refer to the Key Investor InformationDocuments and full prospectus before making aninvestment decision. Please remember that the value ofinvestments, and any income received from them, can fallas well as rise, it is not guaranteed and you may not getback the amount you invested. This could also happen as aresult of changes in currency exchange rates, particularlywhere overseas securities are held or where investmentsare converted from one currency to another. We alwaysrecommend that any Investments held should be viewedas a medium to long-term investment, at least five years.Investors are advised to consider carefully the special riskof investing in emerging market securities. Investments inemerging markets are by their nature higher risk andpotentially more volatile than those inherent in someestablished markets. If you are in any doubt about thesuitability of the investment please contact our RelationshipManagement team/Your Premier Wealth Manager on thenumber below, who will be delighted to assist you.HSBC Expat 01534 616313 or HSBC Bank plc ChannelIslands and Isle of Man 0345 600 6161.Issued by HSBC Expat, a division of HSBC Bank plc, Jersey Branch, HSBC House, Esplanade, St Helier, Jersey JE1 1HS. HSBC Bank plc, Jersey Branch, is regulated by the Jersey FinancialServices Commission for Banking, General Insurance Mediation, Investment and Fund Services Businesses. HSBC Bank plc, Hong Kong Branch, is licensed by the Hong Kong MonetaryAuthority as an authorised institution and registered with the Securities and Futures Commission to conduct Type 1 (dealing in securities) and Type 4 (advising on securities) regulatedactivities under the Securities and Futures Ordinance (central entity number: AFJ824). HSBC Bank plc, Hong Kong Branch address is at Level 5, HSBC Main Building, 1 Queen’s RoadCentral, Hong Kong. HSBC Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (UKFCA reference number: 114216). HSBC Bank plc, incorporated and registered in England and Wales number 14259, with limited liability. UK registered office: 8 Canada Square, London,E14 5HQ. Please note that this service is provided from Jersey and is not subject to UK financial services rules and regulations. We are required to advise you that if you undertakeinvestment Business with any non UK members of the HSBC Group, including HSBC Expat in Jersey you will not benefit from the protection of the rules and regulations made under theUK’s Financial Service & Markets Act 2000, including the UK Financial Services Compensation Scheme and the UK’s Financial Ombudsman Service. Further information about theregulatory regime applicable to this service is available on request. Approved for use in the UK by HSBC Bank plc. AC49086 HSBC Bank plc, Jersey Branch 2018. All Rights Reserved.181128/CS/678
in HSBC Global Investment Funds and HSBC Portfolios, which are managed by HSBC Global Asset Management. All the funds available to you within the Freedom Plus nominee service benefit from: Global brand: HSBC is one of the largest banking and financial services organisations in the world. HSBC’s international network comprises around
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