HSBC Mutual Funds andHSBC Pooled FundsAnnual Information FormNovember 12, 2021HSBC Mutual FundsCash and Money Market Funds1HSBC Canadian Money Market FundHSBC U.S. Dollar Money Market FundIncome FundsHSBC Mortgage Fund1HSBC Canadian Short/Mid Bond Fund1HSBC Canadian Bond Fund1HSBC Global Corporate Bond Fund1HSBC Emerging Markets Debt Fund1HSBC Monthly Income Fund3HSBC U.S. Dollar Monthly Income Fund3Domestic Equity Funds1HSBC Canadian Balanced FundHSBC Dividend FundHSBC Equity FundHSBC Small Cap Growth FundForeign Equity Funds1HSBC Global Equity FundHSBC Global Equity Volatility Focused FundHSBC U.S. Equity FundHSBC European FundHSBC AsiaPacific FundHSBC Chinese Equity FundHSBC Indian Equity FundHSBC Emerging Markets FundHSBC BRIC Equity FundIndex Funds1HSBC U.S. Equity Index FundHSBC International Equity Index FundHSBC Emerging Markets Equity Index Fund123HSBC World Selection Diversified Funds2HSBC World Selection Diversified Conservative FundHSBC World Selection Diversified Moderate Conservative FundHSBC World Selection Diversified Balanced FundHSBC World Selection Diversified Growth FundHSBC World Selection Diversified Aggressive Growth FundHSBC Wealth CompassTM Funds2HSBC Wealth Compass Conservative FundHSBC Wealth Compass Moderate Conservative FundHSBC Wealth Compass Balanced FundHSBC Wealth Compass Growth FundHSBC Wealth Compass Aggressive Growth FundHSBC Pooled FundsHSBC Canadian Money Market Pooled FundHSBC Mortgage Pooled FundHSBC Canadian Bond Pooled FundHSBC Global High Yield Bond Pooled FundHSBC Global Inflation Linked Bond Pooled FundHSBC Emerging Markets Debt Pooled FundHSBC Canadian Dividend Pooled FundHSBC Canadian Equity Pooled FundHSBC Canadian Small Cap Equity Pooled FundHSBC U.S. Equity Pooled FundHSBC International Equity Pooled FundHSBC Emerging Markets Pooled FundHSBC Global Real Estate Equity Pooled FundOffers Investor Series, D Series, Premium Series, Manager Series and Institutional Series unitsOffers Investor Series, D Series, Manager Series and Institutional Series unitsOffers Investor Series, Investor T Series, D Series, DT Series, Premium Series, Premium T Series, Manager Series and Institutional Series unitsNo securities regulatory authority has expressed an opinion about the units described in this Annual InformationForm, and it is an offence to claim otherwise. The Funds and the units of the Funds offered under the SimplifiedProspectus and this Annual Information Form are not registered with the United States Securities and ExchangeCommission and if sold in the United States, they are sold only in reliance on exemptions from registration underU.S. laws. World Selection is a registered trademark of HSBC Group Management Services Limited.HSBC Wealth Compass TM is a trademark of HSBC Group Management Services Limited.
Table of ContentsIntroduction and key terms. 2Background of the Funds .Names and details of formation .Amendments to declarations of trust .Fund Mergers.Changes to investment advisors .Changes to manager .Changes to fundamental investment objectives .3356688Investing in the Funds . 9General . 9How we calculate the net asset value of the Funds’ units. 9Minimum investment requirements . 10Available series of units . 11How to buy, sell and switch units of the Funds. 12Purchases . 15Redemptions . 15Switches . 16How we value portfolio securities . 17Information about the HSBC Mortgage Fund. 19Investment restrictions . 27Fees and expenses . 33Income tax considerations for investors . 34Your rights as an investor in the Funds and description of units of the Funds. 37Management of the Funds .43Responsibility for operations . 43Fund governance . 57Conflicts of interest. 64Remuneration of directors, officers and trustees . 72Material contracts . 73Legal and administrative proceedings . 74Certificates .76-1
Introduction and key termsThis Annual Information Form contains important information about the Funds and is designedto supplement the information presented in the Funds’ Simplified Prospectus.In this document we use the following key terms: you and your refer to you the investor Fund or Funds refers to one or more of the HSBC Mutual Funds or HSBC Pooled Fundsoffered under the Funds’ Simplified Prospectus and this Annual Information Form Mutual Fund or Mutual Funds refers to one or more of the HSBC Mutual Funds, includingthe HSBC World Selection Diversified Funds and HSBC Wealth Compass Funds Pooled Fund or Pooled Funds refers to one or more of the HSBC Pooled Funds we, us and our refer to HSBC Global Asset Management (Canada) Limited, the manager,trustee and primary investment advisor of the Funds HSBC Investment Funds or Principal Distributor refers to HSBC Investment Funds (Canada)Inc., our wholly owned subsidiary, who is principally responsible for marketing anddistributing units of the Mutual Funds representative refers to the dealer(s) or advisor(s) authorized to sell units of the Funds,including us and the Principal Distributor HSBC World Selection Diversified Funds refers to the HSBC World Selection DiversifiedConservative Fund, HSBC World Selection Diversified Moderate Conservative Fund,HSBC World Selection Diversified Balanced Fund, HSBC World Selection DiversifiedGrowth Fund and HSBC World Selection Diversified Aggressive Growth Fund HSBC Wealth Compass Funds refers to the HSBC Wealth Compass Conservative Fund,HSBC Wealth Compass Moderate Conservative Fund, HSBC Wealth Compass BalancedFund, HSBC Wealth Compass Growth Fund and HSBC Wealth Compass AggressiveGrowth Fund-2
Background of the FundsNames and details of formationThe table below lists the names of the Funds and the dates they were established.The Mutual Funds in existence prior to December 17, 2001 were established as open-ended unitinvestment trusts under separate Declarations of Trust governed by the laws of Ontario or BritishColumbia, as described below. On December 17, 2001, the Declarations of Trust for the MutualFunds then established were consolidated into a single Master Declaration of Trust governed bythe laws of British Columbia and all Mutual Funds are now governed by this Master Declarationof Trust.All Pooled Funds have been established as open-ended unit investment trusts under the laws ofBritish Columbia under a Trust Indenture, which was amended and restated as of April 5, 2021.NameDate establishedEstablished underlaws ofHSBC Canadian Money Market FundDecember 8, 1988OntarioHSBC U.S. Dollar Money Market FundDecember 5, 1997British ColumbiaHSBC Mortgage FundOctober 30, 1992British ColumbiaHSBC Canadian Short/Mid Bond FundDecember 16, 2019British ColumbiaHSBC Canadian Bond FundDecember 1, 1994British ColumbiaHSBC Global Corporate Bond FundJune 3, 2015British ColumbiaHSBC Emerging Markets Debt FundJune 27, 2011British ColumbiaHSBC Monthly Income FundDecember 16, 2004British ColumbiaHSBC U.S. Dollar Monthly Income FundDecember 16, 2010British ColumbiaHSBC Canadian Balanced FundDecember 8, 1988OntarioHSBC Dividend FundDecember 1, 1994British ColumbiaHSBC Equity FundDecember 8, 1988OntarioHSBC Small Cap Growth FundDecember 1, 1994British ColumbiaHSBC Global Equity FundDecember 5, 1997British ColumbiaHSBC Global Equity Volatility Focused FundJune 3, 2015British ColumbiaHSBC U.S. Equity FundOctober 12, 1994OntarioHSBC European FundOctober 12, 1994OntarioHSBC AsiaPacific FundNovember 19,1993OntarioHSBC Chinese Equity FundDecember 16, 2003British ColumbiaHSBC Indian Equity FundDecember 16, 2008British ColumbiaHSBC Emerging Markets FundOctober 12, 1994OntarioHSBC BRIC Equity FundDecember 16, 2006British Columbia-3
NameDate establishedEstablished underlaws ofHSBC U.S. Equity Index FundDecember 16, 2020British ColumbiaHSBC International Equity Index FundDecember 16, 2020British ColumbiaHSBC Emerging Markets Equity Index FundDecember 16, 2020British ColumbiaHSBC World Selection Diversified Conservative FundDecember 16, 2004British ColumbiaHSBC World Selection Diversified ModerateConservative FundDecember 16, 2004British ColumbiaHSBC World Selection Diversified Balanced FundDecember 16, 2004British ColumbiaHSBC World Selection Diversified Growth FundDecember 16, 2004British ColumbiaHSBC World Selection Diversified AggressiveGrowth FundDecember 16, 2004British ColumbiaHSBC Wealth Compass Conservative FundFebruary 5, 2018British ColumbiaHSBC Wealth Compass Moderate Conservative FundFebruary 5, 2018British ColumbiaHSBC Wealth Compass Balanced FundFebruary 5, 2018British ColumbiaHSBC Wealth Compass Growth FundFebruary 5, 2018British ColumbiaHSBC Wealth Compass Aggressive Growth FundFebruary 5, 2018British ColumbiaHSBC Canadian Money Market Pooled FundDecember 2, 1987British ColumbiaHSBC Mortgage Pooled FundNovember 19,2004British ColumbiaHSBC Canadian Bond Pooled FundDecember 2, 1987British ColumbiaHSBC Global High Yield Bond Pooled FundNovember 21,2006British ColumbiaHSBC Global Inflation Linked Bond Pooled FundDecember 16, 2009British ColumbiaHSBC Emerging Markets Debt Pooled FundDecember 20, 2010British ColumbiaHSBC Canadian Dividend Pooled FundNovember 8, 1996British ColumbiaHSBC Canadian Equity Pooled FundDecember 2, 1987British ColumbiaHSBC Canadian Small Cap Equity Pooled FundMarch 1, 1994British ColumbiaHSBC U.S. Equity Pooled FundDecember 2, 1987British ColumbiaHSBC International Equity Pooled FundDecember 31, 1994British ColumbiaHSBC Emerging Markets Pooled FundDecember 16, 2009British ColumbiaHSBC Global Real Estate Equity Pooled FundDecember 16, 2014British ColumbiaWe manage the Funds. Our head office is located at 3rd Floor, 885 West Georgia Street,Vancouver, British Columbia, V6C 3E8.-4
Some of the Funds have changed their names in the past. The table below lists the currentnames of the Funds, their previous names within 10 years (if applicable), and the date on whichthe names changed (if applicable).Current namePrevious name (date changed)HSBC Dividend FundHSBC Dividend Income Fund (June 17, 2013)HSBC Canadian Dividend Pooled FundHSBC Canadian Dividend Income Pooled Fund(June 17, 2013)HSBC Global High Yield Bond Pooled FundHSBC U.S. High Yield Bond Pooled Fund(December 16, 2014)Amendments to declarations of trustThe Master Declaration of Trust for the Mutual Funds has been amended for various reasons.The table below describes the material changes during the last 10 years.DateDescription of amendmentSeptember 30, 2014Enabled the manager and trustee of the Mutual Funds to (i) redesignate unitsof one series as units of another series of the same Mutual Fund and (ii)compulsorily redeem units of a Mutual Fund.Changed the minimum period of notice to investors required in respect ofcertain amendments to the Declaration of Trust from 60 days to 30 days.June 20, 2017Reflected the reduced management fees payable by the HSBC Global EquityFund and the HSBC World Selection Diversified Funds.February 5, 2018Created the Discount Series units.December 18, 2018Reflected the reduced management fees payable by the HSBC CanadianMoney Market Fund, HSBC U.S. Dollar Money Market Fund, HSBC MortgageFund, HSBC Global Corporate Bond Fund, HSBC Emerging Markets DebtFund, HSBC Monthly Income Fund, HSBC U.S. Dollar Monthly Income Fund,HSBC Global Equity Fund, HSBC Chinese Equity Fund, HSBC Indian EquityFund, HSBC Emerging Markets Fund, and HSBC BRIC Equity Fund.May 17, 2019Reflected the reduced management fees payable by the HSBC WealthCompass Funds.August 9, 2019Created the Investor T Series and Premium T Series units for theHSBC Monthly Income Fund and the HSBC U.S. Dollars MonthlyIncome FundJune 2, 2021Reflected the reduced management fees payable by the HSBC Global EquityVolatility Focused Fund.November 12, 2021Created the DT Series units.The Trust Indenture for the Pooled Funds has been amended from time to time to create orterminate individual Pooled Funds, amend the names of certain Pooled Funds, and amend theprovisions of the Trust Indenture that deal with certain administrative and other matters relatingto the Pooled Funds.On December 17, 2018, the Trust Indenture for the Pooled Funds was amended to appointHSBC Global Asset Management (Canada) Limited as the trustee of the Pooled Funds.-5
On April 5, 2021, the Trust Indenture for the Pooled Funds was amended to allow a Pooled Fundto make a Qualifying Disposition under the Income Tax Act (Canada).Fund MergersSome of the Funds have been involved in mergers in the past. The table below lists the Fundsthat participated in mergers within the past 10 years, and the date on which those mergerstook place.FundDetails of mergerHSBC Canadian Bond Pooled FundOn June 17, 2013, the HSBC MultiAlphaCanadian Bond Pooled Fund was merged intothe HSBC Canadian Bond Pooled FundHSBC Canadian Small Cap Equity Pooled FundOn June 17, 2013, the HSBC MultiAlphaCanadian Small Cap Equity Pooled Fund wasmerged into the HSBC Canadian Small CapEquity Pooled FundHSBC Canadian Equity Pooled FundOn March 20, 2015, the HSBC MultiAlphaCanadian Equity Pooled Fund was merged intothe HSBC Canadian Equity Pooled FundHSBC U.S. Equity Pooled FundOn March 20, 2015, the HSBC MultiAlphaU.S. Equity Pooled Fund was merged into theHSBC U.S. Equity Pooled FundChanges to investment advisorsThe changes to the Funds’ investment advisors which have occurred during the last 10 years areoutlined in the table below:Previousinvestment advisorCurrentinvestment advisorJuly 3, 2013Mawer InvestmentManagement Ltd.Triasima PortfolioManagement Inc., MawerInvestment ManagementLtd.HSBC Global EquityFundFebruary 25, 2015HSBC Global AssetManagement (France)HSBC Global AssetManagement (UK) LimitedHSBC CanadianBalanced FundMarch 4, 2013HSBC Global AssetManagement (France)*HSBC Global AssetManagement (Canada)LimitedHSBC Indian EquityFundSeptember 16, 2013HSBC Global AssetManagement (Singapore)LimitedHSBC Global AssetManagement (Hong Kong)LimitedHSBC BRIC EquityFundMarch 12, 2015HSBC Global AssetManagement (France)HSBC Global AssetManagement (UK) LimitedFund nameDate of changeHSBC Small CapGrowth Fund-6
Previousinvestment advisorCurrentinvestment advisorSeptember 23, 2015HSBC Global AssetManagement(Canada) LimitedHSBC Global AssetManagement (USA) Inc.October 19, 2015HSBC Global AssetManagement (USA) Inc.HSBC Global AssetManagement (USA) Inc.,HSBC Global AssetManagement (France)HSBC Global EquityVolatility FocusedFundOctober 14, 2015HSBC Global AssetManagement (Canada)LimitedHSBC Global AssetManagement (UK) LimitedHSBC EuropeanFundJuly 18 , 2016HSBC Global AssetManagement (UK) LimitedHSBC Global AssetManagement (France)HSBC Global HighYield BondPooled FundJune 1, 2015JPMorgan AssetManagement (Canada) Inc.HSBC Global AssetManagement (USA) Inc.January 27, 2016HSBC Global AssetManagement (USA) Inc.HSBC Global AssetManagement (USA) Inc.and HSBC Global AssetManagement (France)July 3, 2013Mawer InvestmentManagement Ltd.Mawer InvestmentManagement Ltd. andTriasima PortfolioManagement Inc.Fund nameDate of changeHSBC GlobalCorporateBond FundHSBC CanadianSmall Cap EquityPooled Fund-7
Previousinvestment advisorCurrentinvestment advisorMarch 26, 2015Los Angeles CapitalManagement and EquityResearch, Inc.HSBC Global AssetManagement (UK) LimitedApril 21, 2021HSBC Global AssetManagement (UK) LimitedHSBC Bank USA, N.A.HSBC InternationalEquity Pooled FundJanuary 19, 2015HSBC Global AssetManagement (France)HSBC Global AssetManagement (UK) LimitedHSBC EmergingMarkets Pooled FundFebruary 11, 2015Delaware InvestmentAdvisers, a series ofDelaware ManagementBusiness Trust; TrilogyGlobal Advisors, LPHSBC Global AssetManagement (UK) LimitedHSBC Global RealEstate Equity PooledFundSeptember 30, 2015HSBC Global AssetManagement (Canada)LimitedHSBC Global AssetManagement (UK) LimitedHSBC GlobalInflation Linked BondPooled FundApril 17, 2018HSBC Global AssetManagement (France)HSBC Global AssetManagement (UK) LimitedFund nameDate of changeHSBC U.S. EquityPooled Fund* HSBC Global Asset Management (France) was appointed to provide investment advice in respect of the foreign equity segment ofthe HSBC Canadian Balanced Fund.Changes to managerThere have been no changes to the manager of the Funds over the past 10 years.Changes to fundamental investment objectivesThere have been no changes to the fundamental investment objective or material investmentstrategies of any of the Funds over the past 10 years.-8
Investing in the FundsGeneralBefore you can request a transaction to buy units of a Fund, you must first open an account withyour representative.When you submit a request to purchase, switch or redeem units of a Fund, the amount you payor receive for each unit will depend on when we receive your request.Generally, trades must be received by us before 1:00 p.m. Pacific Time on a valuation day toreceive the Fund’s unit value for that day. If we receive trade requests after 1:00 p.m. PacificTime on a valuation day, those requests will be processed using the Fund’s unit value on the nextvaluation day.Your representative will have their own time requirements for receiving a trade request in orderto meet our cut-off time. Please consult with them for information about their cut-off times forprocessing orders.How we calculate the net asset value of the Funds’ unitsWe, or our authorized agents, calculate a separate net asset value for each series of unit for theMutual Funds and each unit for the Pooled Funds at the end of each valuation day.A valuation day is any day that the Toronto Stock Exchange is open for business or such otherday as we may determine from time to time.The net asset value and net asset value per unit of each Fund is available on request at no costby calling 1-888-390-3333, and on our website at www.assetmanagement.hsbc.ca.Mutual FundsFor the Mutual Funds, the net asset value per unit of each series is calculated by taking theproportionate share of the net assets of the Mutual Fund allocated to the series of unit asdetermined on the previous valuation day, and adding or subtracting, as appropriate, the series’proportionate share of net income, net realized capital gains (losses), common expenses, directexpenses for the series, and the unrealized change in value of the Mutual Fund’s investmentportfolio since the previous valuation day of the series. This amount is then divided by thenumber of units outstanding of the series of unit on that valuation day to produce the daily netasset value for units of the series.Pooled FundsFor the Pooled Funds, the Pooled Fund’s net asset value per unit is the market value of all thePooled Fund’s assets at the time the valuation is made, less its liabilities, divided by the totalnumber of units outstanding at the time.Money Market FundsFor the HSBC Canadian Money Market Fund, HSBC U.S. Dollar Money Market Fund andHSBC Canadian Money Market Pooled Fund, we aim to maintain a constant net asset value per-9
unit of each series. However, there is no guarantee that the net asset value per unit of eachseries of these Funds will not go up and down in value. We achieve this by crediting the netinvestment income of these Funds, if any, to investors on each valuation day and thendistributing these amounts at the end of each month. We automatically reinvest distributionsfrom these Funds in additional units of the applicable Fund unless investors tell theirrepresentative in advance that they want to receive distributions in cash.Minimum investment requirementsYou must meet the minimum investment requirements for the initial investment, subsequentinvestment and ongoing balance to be eligible to purchase or continue to hold units ofthe Funds.Mutual FundsThe following table sets out the minimum initial investment, minimum subsequent investmentand minimum balance requirement for each series of the Mutual Funds:SeriesMinimuminitial investmentMinimumsubsequentinvestment*Minimum balanceInvestor Series 500 50 500Investor T Series 500 50 500D Series 500 50 500DT Series 500 50 500Premium Series 100,000 50 100,000Premium T Series 100,000 50 100,000Manager Series 500 50 500Institutional Series**–––* Minimum investment requirements may differ under the regular investment plan, monthly withdrawalplan or the mutual fund allocation service offered by the Principal Distributor. See the section called“Optional services” in the Simplified Prospectus.** As determined by the agreement you enter into with your participating representative.The minimum investment requirements are per Mutual Fund held in one account, and cannot bespread across multiple Funds in the same account or across multiple accounts. We may changethe minimum initial investment, minimum balance requirement or other conditions for thePremium Series and Premium T Series from time to time without prior notice to you. Theminimum balance is the market value of your units at any time. If you are investing in theHSBC U.S. Dollar Money Market Fund, HSBC Global Corporate Bond Fund, HSBC U.S. DollarMonthly Income Fund, HSBC Global Equity Volatility Focused Fund or using the U.S. dollarpurchase service, the minimum investment amounts and all fees are in U.S. dollars. For moreinformation on the U.S. dollar purchase service, see the section called “Optional services – U.S.dollar purchase service” in the Simplified Prospectus.You must meet the minimum investment amount and maintain the minimum balance amount topurchase and continue to hold a particular series. If you are no longer eligible to hold a particular- 10
series, we reserve the right to switch your units into another series of the same Mutual Fund. Wehave implemented an Automatic Switch Program for the Mutual Funds (other than theHSBC World Selection Diversified Funds and the HSBC Wealth Compass Funds) which mayapply to you if you meet or cease to meet the minimum investment requirements from time totime. For more information regarding the program, see the section called “Purchases, switchesand redemptions – Switches – Automatic Switch Program” in the Simplified Prospectus.If you invested in the Manager Series of a Mutual Fund and are no longer eligible to holdManager Series units, we reserve the right to change your Manager Series units into anotherseries of the same Mutual Fund.Pooled FundsThe Pooled Funds are only available as part of the HSBC World Selection Portfolio service, theHSBC Private Investment Counsel service, or for institutional clients.For the HSBC World Selection Portfolio service you must enter into an agreement withHSBC Investment Funds and make and maintain a minimum initial investment of 50,000, or anyother amount determined by HSBC Investment Funds.For the HSBC Private Investment Counsel service, you must enter into an agreement withHSBC Private Investment Counsel (Canada) Inc. and make a minimum initial investment as setout in its agreement, or any other amount determined by HSBC Private Investment Counsel(Canada) Inc.Institutional clients must enter into an agreement with us and make a minimum initial investmentas set out in the agreement.Your agreement with your representative will have other applicable terms and conditions. Pleasediscuss the specifics with them.Available series of unitsMutual FundsEach Mutual Fund is permitted to have an unlimited number of series of units and may issue anunlimited number of units of each series. Although the money that you and other investors payto purchase units is tracked on a series-by-series basis in the Mutual Fund’s administrationrecords, the assets of all series of the Mutual Fund are combined into a single pool to create oneportfolio for investment purposes.Refer to the Fund Details section for each of the Mutual Funds to see which series of units itcurrently offers.There is no sales charge or redemption charge associated with the Mutual Funds.Pooled FundsThe Pooled Funds do not offer different series of units.There is no sales charge or redemption charge associated with the Pooled Funds.- 11
How to buy, sell and switch units of the FundsYou must meet the minimum initial and subsequent investment amounts, minimum balancerequirement and any other eligibility requirements applicable for the Pooled Funds and eachseries of the Mutual Funds. See the section called “Minimum investment requirements” formore details.Your choice of series of units to buy affects the fees and expenses you will pay, and may affectthe compensation we pay to your representative. See the sections called “Fees and expenses”and “Dealer compensation” in the Simplified Prospectus for more information.Investor SeriesThe Investor Series of the Mutual Funds (excluding HSBC Wealth Compass Funds) is for allinvestors and is available:1.2.through the Principal Distributor:(a)at any branch of HSBC Bank Canada, or(b)by calling TeleFund at 1-800-830-8888through other authorized representatives.The Investor Series of the HSBC Wealth Compass Funds is for all investors and is available:1.2.through the Principal Distributor only after opening an account online through theHSBC Wealth Compass portal, and trades can be placed:(a)online through the HSBC Wealth Compass portal, or(b)by calling an HSBC Wealth Compass advisor at 1-877-801-4722through other representatives authorized to distribute the HSBC Wealth Compass Funds.Effective June 1, 2022, Investor Series units of the Mutual Funds will no
HSBC Mutual Funds and HSBC Pooled Funds Annual Information Form November 12, 2021 HSBC Mutual Funds Cash and Money Market Funds1 HSBC Canadian Money Market Fund HSBC U.S. Dollar Money Market Fund Income Funds HSBC Mortgage Fund1 HSBC Canadian Short/Mid Bond Fund1 HSBC Canadian Bond Fund1 HSBC Global Corporate Bond Fund1
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