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Structured products

Tailor your risk-reward profile with the potential of upside performance and downside protection options.

What are structured products?

Structured products are packaged investments that may offer the potential to earn returns based on the performance of an underlying security - such as a single stock, multiple stocks or an index - along with some degree of downside protection. Structured products are not liquid investments, designed to be held to maturity, and are subject to credit risk of the issuer. [@structuredproducts] 

Why invest in structured products with us?

Gain access to a variety of markets

Diversify your portfolio with structured products linked to a variety of domestic and international stocks and indexes.

Meet investment objectives

Structured notes [@registeredstructured] offer a variety of risk–return profiles which may include the potential for enhanced performance, risk management, income enhancement and portfolio diversification.

Receive investment recommendations

Schedule a review with an HSBC Wealth Relationship Manager to discuss strategies that are suitable and in your best interest based on various personalized factors.

Key investment products

Principal-protected market-linked certificates of deposit (CD)

A market-linked CD [@marketlinkedcds] is a bank deposit product with returns tied to an underlying asset, such as an index or an individual stock. In addition to providing means of portfolio diversification, the variety of market-linked CDs issued by HSBC Bank USA, N.A. and made available through HSBC Securities (USA) Inc. may offer:

  • A degree of upside exposure to the potential price appreciation in a variety of underlying assets[@marketlinkedcdsperformance]
  • A range of maturity dates to align with your investment time-horizon
  • 100% principal protection if held to maturity, subject to the issuer's credit risk[@marketlinkedcds]
  • The security of FDIC insurance[@fdicinsurance]
  • Access to various U.S. and international markets

Principal-protected market-linked certificates of deposit are not a liquid investment and are designed to be held to maturity.

Structured notes with principal protection

A principal protected structured note is a structured product with returns tied to an underlying asset, such as an index or an individual stock. In addition to providing means of portfolio diversification, the variety of Principal Protected Notes issued by HSBC Securities (USA) Inc. and select third parties may offer:

  • A degree of upside exposure to the potential price appreciation in a variety of underlying assets
  • A range of maturity dates to align with your investment time-horizon
  • 100% principal protection if held to maturity, subject to the issuer's credit risk
  • Access to various U.S. and international markets

Principal protected structured notes are not a liquid investment, are designed to be held to maturity, and are not FDIC insured.

Structured notes with principal at risk

A registered structured note offers an alternative to traditional investing. Notes may be linked to a broad–based equity index or particular regions, sectors, or individual stocks. Notes have a variety of risk–return profiles that may address individual wealth management needs and objectives such as risk management, income enhancement, and portfolio diversification.

In addition to providing means of portfolio diversification, the variety of notes issued by HSBC Securities (USA) Inc. and select third parties may offer:

  • Enhanced upside exposure to the potential price appreciation in a variety of underlying assets or enhanced yield as compared to traditional fixed income investments
  • A range of maturity dates to align with your investment time-horizon
  • Buffers or barriers may provide a level of protection against possible negative performance
  • Access to various U.S. and international markets

Notes are not a liquid investment, are designed to be held to maturity, and are not FDIC insured.

Things to know

Who can invest?

Anyone can invest in structured products. However, it's important to understand there are risks associated with investing and you may experience losses or returns.

Ready to invest in structured products?

Already an HSBC client?

Log on to online banking to schedule an appointment with your Wealth Relationship Manager.

New to HSBC?

For more information on structured products, give us a call.

From within the U.S. or Canada:

800.662.3343

From outside the U.S. or Canada:

847.876.1574

Monday through Friday, 8am to 6pm Eastern Time

Frequently asked questions

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Additional information

    Investment, annuities, and variable life insurance products are offered by HSBC Securities (USA) Inc. (HSI), member NYSE/FINRA/SIPC. In California, HSI conducts insurance business as HSBC Securities Insurance Services. License #: OE67746. HSI is an affiliate of HSBC Bank USA, N.A. Whole life, universal life, term life, and other types of insurance are offered by HSBC Insurance Agency (USA) Inc., a wholly owned subsidiary of HSBC Bank USA, N.A. Products and services may vary by state and are not available in all states. California license #: OD36843

    Investments, Annuity and Insurance Products: Are not a deposit or other obligation of the bank or any of its affiliates; Not FDIC insured or insured by any federal government agency; Not guaranteed by the bank or any of its affiliates; and subject to investment risk, including possible loss of principal invested.

    All decisions regarding the tax implications of your investment(s) should be made in consultation with your independent tax advisor. 

    Research backgrounds of brokers and firms for free by visiting FINRA's BrokerCheck website

    United States persons are subject to U.S. taxation on their worldwide income and may be subject to tax and other filing obligations with respect to their U.S. and non-U.S. accounts. U.S. persons should consult a tax adviser for more information. 

    Environmental, Social & Governance (“ESG”) and Sustainable Investing (“SI”)

    HSBC Securities (USA) Inc. (“HSI”) does not provide recommendations or advice on any products based on ESG or SI considerations except in certain discretionary solutions or based on HSBC Group’s* policies. Customers can purchase ESG/SI related products on our platform on a self-directed basis. For our general ESG/SI disclosure, click Disclosures- HSBC. Information about HSBC Group’s approach to Sustainability can be found at Our climate strategy | HSBC Holdings plc.

    *HSBC Group refers to HSBC’s global affiliates.