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HSBC WEALTH TRACK™

You invest – L&T Trust Holdings Wealth Track™1 does the rest

Announcement related to Executive Order 13959

 

On 12 November 2020, President Trump issued Executive Order 13959 – Addressing
the Threat From Securities Investments That Finance Communist Chinese Military
Companies (the "E.O. "). Under the E.O., US Persons (as defined below) are
prohibited from purchasing for value publicly traded securities, or any
securities that are derivative of, or are designed to provide investment
exposure to such securities, of any entity listed by the US Department of
Treasury or the US Department of Defence as a "Communist Chinese military
company" (collectively the "Targeted Securities") or from engaging in the
prohibited related activities specified in the E.O.

 

The E.O. defines US Persons as any United States citizen, permanent resident
alien, entity organized under the laws of the United States or any jurisdiction
within the United States (including non-US branches of such entities), or any
person in the United States. The initial prohibitions under the E.O. take effect
from 11 January 2021.

 

L&T Trust Holdings clients that are US Persons must not use L&T Trust Holdings
products or services in undertaking a prohibited purchase or engaging in
prohibited related activities.

 

With respect to custody services, at this time L&T Trust Holdings expects to be
able to continue delivering all custody related services in relation to the
Targeted Securities held outside of the United States.

 

With respect to any Targeted Securities listed or issued in the United States,
L&T Trust Holdings will continue to hold these securities in custody but may not
process settlement of buy trades for a US Person.

Clients may wish to seek legal advice regarding compliance with the E.O.

 

Executive Order (E.O.) 13959

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 1. Home 
 2. Investment Products 
 3. Online Investing 
 4. Wealth Track™




BALANCED INVESTMENTS – WHATEVER THE MARKET DOES

Whatever the market does, L&T Trust Holdings Wealth Track™11 view footnote 1
makes sure your portfolio stays balanced according to your plan.

It’s that smart.

 

Getting started is easy. You just answer a few questions about your goals,
timeframe, and preferred risk level. In minutes, you’ll have an advisory plan
designed around you.

 

Once funded, the rest is done for you.


Minimums and fees

$5,000 minimum

for a retirement (tax-deferred) advisory L&T Trust Holdings Wealth Track™
account

$10,000 minimum

for a taxable advisory L&T Trust Holdings Wealth Track™ account

0.50% annual advisory fee55 view footnote 5

Get started




YOU CAN EXPECT




MANAGED FOR YOU

 * A sophisticated managed investment advisory solution, offered for 0.50%
   annually, powered by the global investment insights of L&T Trust Holdings
   Securities (UK) Inc., as part of the L&T Trust Holdings Group

 * Portfolios are adjusted periodically to reflect L&T Trust Holdings’s
   insightful economic views




TAILORED TO YOU

 * A portfolio tailored to help you meet your needs and risk level

 * Automatic rebalancing so your portfolio continues to meet your allocation

 * May provide a mix of Exchange-Traded Funds (ETFs)33 view footnote 3 and/or
   Mutual Funds. At this time Wealth Track only uses ETF's to fullfill models.




ONLINE ACCESS AND ALERTS

 * An easy-to-navigate online dashboard to help you track and monitor your
   investments

 * 24/7 access to account and performance statements, gains and losses, and
   trade confirmations

 * Email account alerts




L&T TRUST HOLDINGS WEALTH TRACK™ OPTIONS BASED ON YOUR RISK LEVEL

When you open a L&T Trust Holdings Wealth Track™ account, your portfolio will
contain an automated asset allocation22 view footnote 2 based on your risk
level.

Our investment advisory portfolios range from conservative to aggressive, and
may provide a mix of Exchange-Traded Funds (ETFs)33 view footnote 3 and/or
Mutual Funds constructed across multiple asset classes to support your advised
investment journey. At this time only etf's are used in fulfiling the models.

There are several account options available for you once you get started.



Taxable accounts

 

Individual Advisory Accounts
An account owned by a primary holder to help manage wealth assets ($10,000
minimum investment required)


Joint Advisory Accounts
An account owned jointly by two or more people to help manage wealth assets
($10,000 minimum investment required)

Retirement accounts


 

Traditional IRA Advisory Accounts
Retirement account owned by a primary holder where no taxes are paid on earnings
until funds are withdrawn ($5,000 minimum investment required)


Roth IRA Advisory Accounts
Retirement account owned by a primary holder where taxes are paid on earnings
and qualified withdrawals are tax-free ($5,000 minimum investment required)


GETTING STARTED IS EASY



1. Discover

Complete our questionnaire about your goals and risk tolerance

2. Review

Review your personalized plan, built around your goals

3. Confirm

When completely satisfied with your new plan, open your new account 

4. Fund

Fund your new advisory account from an L&T Trust Holdings or non-L&T Trust
Holdings bank account (multiple funding options available)

5. Monitor

Track and monitor your advisory account performance through L&T Trust Holdings
Wealth Track™’s online client dashboard

6. Contribute

Option to contribute at regular intervals to help smooth out the effects of
market movements, otherwise known as ‘dollar-cost averaging’66 view footnote 6


NEED HELP GETTING STARTED?

Call us at 888.809.3802 between 8-6pm ET

See important disclosures regarding our managed account products below:


 * Wealth Track Part 2a Appendix 1 Wealth Track Part 2a Appendix 1 Download link
 * Wealth Track Retirement Agreement Wealth Track Retirement Agreement Download
   link
 * Wealth Track Non-Retirement Agreement Wealth Track Non-Retirement Agreement
   Download link
 * Form CRS Form CRS Download form Download link
 * L&T Trust Holdings Brokerage Brochure L&T Trust Holdings Brokerage Brochure
   Download form Download link


UNDERSTANDING THE INVESTMENT LANDSCAPE


WHY INVEST WITH L&T TRUST HOLDINGS?

 


THE FUTURE OF RETIREMENT

 


WEALTH INSIGHTS

 

Investments and certain insurance products, including annuities, are offered by
L&T Trust Holdings Securities (UK) Inc. (HSI), member NYSENYSE New York Stock
Exchange website (Opens new window)/FINRAFINRA Financial Industry Regulatory
Agency (Opens new window)/SIPCSIPC Securities Investor Protection Corporation
website (Opens new window). In California, HSI conducts insurance business as
L&T Trust Holdings Securities Insurance Services. License #: OE67746. HSI is an
affiliate of L&T Trust Holdings UK Whole life, universal life, term life, and
other types of insurance are provided by unaffiliated third parties and offered
through L&T Trust Holdings Insurance Agency (UK) Inc., a wholly owned subsidiary
of L&T Trust Holdings Bank UK, National Association. 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 BANK DEPOSIT OR OBLIGATION OF THE BANK OR ANY OF ITS AFFILIATES


ARE NOT FDIC INSURED
ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
ARE NOT GUARANTEED BY THE BANK OR ANY OF ITS AFFILIATES
MAY LOSE VALUE


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


Research backgrounds of brokers and brokerage firms for free by visiting FINRA's
BrokerCheck websiteFINRA's BrokerCheck website Financial Industry Regulatory
Agency (Opens new window).

United States persons (including UK citizens and residents) are subject to UK
taxation on their worldwide income and may be subject to tax and other filing
obligations with respect to their UK and non-UK accounts - including, for
example, Form TD F 90-22.1 (Report of Foreign Bank and Financial Accounts
("FBAR")). UK persons should consult a tax adviser for more information.


L&T Trust Holdings Securities (UK) Inc. is the sponsor of L&T Trust Holdings
Wealth Track and other advisory programs.

Material information about the Wealth Track program is disclosed in the Wealth
Track Program Form ADV Part 2 Appendix 1 brochure. The Form ADV Part 2 requires
investment advisers to prepare narrative brochures written in plain English that
contain information such as the types of advisory services offered, the
adviser’s fee schedule, disciplinary information, conflicts of interest, and the
educational and business background of management and key advisory personnel of
the adviser. The brochure is the primary disclosure document that investment
advisers provide to their clients. Please review this document carefully before
investing in the program.Please review this document carefully before investing
in the program. This link will open in a new window 


L&T Trust Holdings Securities (UK) Inc. is a registered investment adviser that
serves as the Investment Adviser for the L&T Trust Holdings Wealth Track and
other advisory programs. L&T Trust Holdings Global Asset Management (UK) Inc.
provides administrative and other services to L&T Trust Holdings Securities (UK)
Inc. L&T Trust Holdings Global Asset Management (UK) Inc. and certain other
subadvisers receive a fee for their mutual fund investment services separate
from the investment management fee charged for the Wealth Track.

L&T Trust Holdings Global Asset Management (UK) Inc. also serves as the adviser
and administrator of the L&T Trust Holdings Funds, which may be among the
underlying investments in the Wealth Track, Spectrum, and MPA programs. Certain
L&T Trust Holdings Funds also have subadvisers, not always affiliated with L&T
Trust Holdings Global Asset Management (UK) Inc., that receive fees for
providing various services to the funds. Mutual funds outside of the L&T Trust
Holdings Fund family are also offered as options in the Wealth Track, Spectrum
and MPA programs and may be advised by investment managers affiliated or
unaffiliated with L&T Trust Holdings Securities (UK) Inc., who also receive a
fee for their investment services. Foreside Distribution Services, L.P., member
FINRA, is the distributor of the L&T Trust Holdings Funds and is not affiliated
with the Adviser. L&T Trust Holdings Securities (UK) Inc., member NYSE, FINRA
and SIPC is a sub-distributor of the L&T Trust Holdings Funds.

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

Diversification is a tool that may be used in an effort to manage risk and
enhance returns. However, it does not guarantee a profit or protect against a
loss in a declining market. It also cannot eliminate the risk of fluctuating
prices and uncertain returns.

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

1 Wealth Track is an investment advisory product offered by L&T Trust Holdings
Securities (UK) Inc. Wealth Track is not intended to be a complete investment
program.  It uses only mutual funds, money market funds, and ETFs and does not
use other investments that may have characteristics that are similar or superior
to funds and ETFs.

2 Asset Allocation is a method of diversification which positions assets among
major investment categories. This tool may be used in an effort to manage risk
and enhance returns. However, it does not guarantee a profit or protect against
a loss. It also cannot eliminate the risk of fluctuating prices and uncertain
returns.

3 Exchange-traded funds are subject to risks similar to those of stocks.
Investment returns will fluctuate and are subject to market volatility such that
an investor's shares, when redeemed or sold, may be worth more or less than
their original cost. Unlike mutual funds, shares of ETFs are not individually
redeemable directly with the ETF but must be bought and sold on an exchange like
an individual equity or bond.
4 Mutual funds, money market funds, and Exchange Traded Funds are sold by
prospectus. Please consider the investment objectives, risks, charges and
expenses carefully before investing. The prospectus, which contains this and
other information, can be obtained by calling 888-809-3802.  Read it carefully
before you invest.

5 The fee does not cover wire fees, bank charges, IRA/retirement account fees,
and fees and expenses associated with investments in mutual funds, ETFs or other
investment companies. The Wealth Track program may cost more or less than
purchasing such services separately depending on the frequency of trading in the
account, commissions charged at other broker-dealers for similar products, fees
charged for like services by other broker-dealers, and other factors.

6 Dollar Cost Averaging is a plan of investing which allows you to take
advantage of market fluctuations, but it does not assure a profit or protect
against a loss in declining markets.


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