IRAs

With fewer traditional company-sponsored retirement plans available and Social Security expected to pay just a portion of the money you'll need, you should take the initiative in building your own retirement nest egg. That's where Individual Retirement Accounts (IRAs) come in. They can be opened and funded without any employer involvement. Plus, they offer a variety of smart investment options and special tax advantages that can help your money grow faster.

With Roth IRAs, contributions are not deductible, however, by meeting certain requirements, distributions* are tax free. Traditional IRAs may be partially or fully deductible, but distributions are generally taxable.

An HSBC Securities Financial Advisor can help you decide which IRA is right for you. Your advisor can also assist you with rollovers of your company sponsored retirement plans into an IRA if you change jobs, or assist you in taking mandatory IRA withdrawals.

Just call 1-800-662-3343 or visit your local HSBC branch to meet with one of our HSBC Securities Financial Advisors.

* Distributions from IRAs made prior to age 59 ½ may result in penalties.

NOT A BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES

NOT FDIC-INSURED

NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES

MAY LOSE VALUE

Securities and annuities are provided by Registered Representatives and Insurance Agents of HSBC Securities (USA) Inc., member NYSE/FINRA/SIPC, registered Futures Commission Merchant, a wholly-owned subsidiary of HSBC Markets (USA) Inc. and an indirectly wholly-owned subsidiary of HSBC Holdings plc.

HSBC Securities (USA) Inc. or any other member of the HSBC Group may from time to time underwrite, perform or seek to perform investment banking services for issuers or make a market or otherwise buy or sell as principal securities or other instruments, or together with the issuers directors, officers and employees may have either a long or short position in securities, commodities, currencies or other instruments or futures or options contracts convertible into securities or other instruments.

This information is not an offer to sell or a solicitation of an offer to buy any security, nor shall any such security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase or sale may not lawfully be made.