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What are individual investors?
Also known as retail investors, the term individual investors refers to anyone looking to invest in securities and assets on a personal level – rather than as part of a wider business.
Primarily focusing on the acquisition of smaller stocks, bonds, or mutual funds, individual investors can facilitate such transactions either online or through traditional banks and brokers, with these newly bought assets becoming just one part of their own personal investment portfolio.
Is individual investing financially viable?
In many cases, individual investors are often new to the world of investing and asset management, and therefore may be more risk-adverse when it comes to selecting the stocks and shares they want to purchase.
However, while such a careful approach can help prevent individual investors from staking their hard-earned funds on possibly risky ventures, it also has the potential to put a lower cap on the overall returns of their portfolio.
As a result, an individual investor may find that it takes far longer than expected to reach their desired wealth goals compared to experienced institutional investors, such as senior corporate executives.
Fortunately, it is absolutely possible for individual investors to look into dedicated investing services for high-net-worth individuals as a means to expand the power and potential of their investments, such as those we provide at HSBC.
Why should you invest personally with HSBC?
Here at HSBC Global Private Banking, we’ve been helping individual investors build and preserve their personal wealth for decades, and our multi-disciplinary team can provide you with tailored solutions built around your specific banking, investment, and wealth planning requirements – giving you the financial foundations you need to invest with confidence.
Trusted heritage⠀⠀⠀⠀⠀
We have over 150 years of experience working with the world’s most successful individual investors, supporting them in sustaining their success from generation to generation.
Global connectivity⠀⠀⠀⠀⠀
With roots in Asia and extensive resources across the globe, we give our clients direct access to investing expertise from around the world.
Leverage our capabilities
No matter how complex your personal investment needs are, our crack team of specialists are available to assist you at any stage of your wealth management journey.
Commercial expertise
We understand that every individual investor’s experience and knowledge are unique to them, which is why we’ll provide specific guidance to complement your existing expertise.
Wealth planning and structuring
Even as an individual investor, we know how important it is to protect your wealth – both for yourself, and for your family and future generations. That’s why we’ll work with you to realise your wealth’s full potential .
Our goal is to understand your future financial objectives and how you want to structure your assets, allowing us to formulate the optimum approach to managing your personal wealth needs.
Lending services
We’re in a position to provide individual investors with tailor-made liquidity, lending, and financing solutions to support any other bespoke financing needs you may have. This includes everything from Lombard Lending and real estate financing to investing in art or purchasing private jets.
Lombard lending
- Stocks/Bonds
- Funds
- Structured Products
- Alternative Funds
- Concentrated lending
Real estate financing
- Commercial
- Residential
Advising on strategic financing solutions & credit products
Wider investment capabilities
Our ongoing investment process is specifically designed to ensure that your portfolio is always aligned with the stated direction of your risk attitude, so that it’s best able to deliver on your investment objective.
Not only that, but by partnering with HSBC, you’ll gain access to certain investment opportunities that other individual investors do not, such as hedge funds and private equity services.
How we’ll manage your funds
Our team of fund management experts will guide you through each stage of our four-step process to ensure we meet your investing expectations:
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Understanding your objectives
We’ll start by discussing your stated financial objectives in detail. That way, we can build a complete understanding of your unique goals and targets and tailor our investing approach accordingly.
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Determining the appropriate mix of risk and return
Next, through a highly collaborative process, we’ll work to find the appropriate mix of risk and return opportunity you’re comfortable with to help you achieve your previously discussed financial aims.
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Constructing a bespoke investment portfolio
From here, we’ll build a tailored and diversified portfolio for you from our vast range of investment solutions in order to match the investing framework you’ve specified.
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Monitoring and discussing your portfolio
Finally, once you have your new portfolio assets in hand, we’ll actively manage them for you, offering you regular and impactful insights to ensure you’re informed and updated on their condition at all times.
Managed the right way, your wealth can be a tool that helps you achieve your future goals. We're here to help you do just that.
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