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HCIT - HSBC Post Retirement Multi-Asset Fund

Ready for retirement. Ready for what’s next.

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Important Information

  • The Fund invests in a diversified portfolio of fixed income securities and equity securities, money market and cash instruments and offers distribution classes which aim to deliver regular and predictable payouts (which may be paid out of capital) to address income needs in retirement
  • Fixed payout classes pay out a pre-determined annualized fixed percentage of their net asset value (NAV) or adjusted NAV at a pre-determined frequency.  The pre-determined annualized fixed percentage does not reflect either the actual or expected income or performance of the Fund. Consequently, fixed payout classes are expected to payout capital gains and/or of capital and may do so over a prolonged or indefinite period. Paying-out of capital represents a withdrawal of investor’s initial investment and may result in an immediate reduction of the NAV per unit and a substantial erosion of an investor’s initial investment over the long term. Over the very long term an investor’s initial investment may be nearly or even completely exhausted. A positive payout does not imply a positive return
  • The Fund may invest in other collective investment schemes, and need to bear the underlying funds’ fees and expenses on top of the Fund’s own fees and expenses.
  • The Fund may invest in financial derivative instruments for investment purpose which may lead to higher volatility and high risk of capital loss
  • The Fund’s investments may involve substantial credit, credit rating, currency, investment, volatility, liquidity, interest rate, valuation, general equity market, general debt securities, emerging markets, mainland China market, non-investment grade and unrated debt securities, sovereign debt, asset allocation strategy, tax, political, small/mid-capitalization companies related risks and risks of investing in other collective investment schemes adopting liquid alternative strategies. Investors may suffer substantial loss of their investments in the Fund
  • Investors should not invest solely based on this page and should read the offering documents for further fund details including risk factors

Four key worries for retirees

Four key worries for retirees

Please watch the following videos to learn how to address various concerns about retirement through investing.

How to start your retirement with confidence

How to start your retirement with confidence

 

When you’re retired, do your savings stop working for you? Watch this video and learn how to put your retirement savings to work.

HSBC Post Retirement Multi Asset Strategy

HSBC Post Retirement Multi Asset Strategy

 

In this video, Jessica Cheung, Portfolio Manager, Multi-Asset, discusses our perspectives on post retirement investing and how we aim to stay resilient across market cycles.

Why HSBC Post Retirement Multi-Asset Fund?

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Source: HSBC Asset Management, August 2025. For illustrative purpose only.

The information provided is for informational purposes only and should not be construed as a recommendation or solicitation for any investment strategy or product.

* Investors should carefully consider whether the Fund is suitable for them in view of their personal circumstances. Potential investors should refer to the offering document for further details and consult authorised distributors prior to making a decision to invest.


  • The Fund is particularly designed for retirees, who have a low to medium risk profile1
  • HSBC Asset Management leverages the strength of its local capabilities and expertise combined with its global network, ensuring we manage our multi-asset strategies in a robust and comprehensive way
Tailored for retirees
1. Investors should carefully consider whether the Fund is suitable for them in view of their personal circumstances. Potential investors should refer to the offering document for further details and consult authorised distributors prior to making a decision to invest.
  • The Fund actively allocates to a range of global asset classes
  • A diversified portfolio results in multiple return drivers, enhancing the Fund’s potential to stay resilient while participating in capital growth opportunities
Globally diversified portfolio

Source: HSBC Asset Management, data as of end July 2025. Allocation is subject to change.

The diagram is for illustrative purposes only. This represents a high level summary of asset classes the Fund may invest in, and may not be the same as the actual portfolio. The actual universe and allocation may differ and are subject to change without prior notice.

  • The Fund aims to offer investors a monthly income stream at a fixed, annualised payout rate of 6 per cent of NAV2 (payout may be paid out of capital, see bullet #2 of the Important Information box)
  • This feature is designed to align with the asset conversion phase of retirement investments, helping you systematically turn your assets into a reliable source of regular income2
Predictable monthly income stream

2. Under normal circumstances, the payout rate is pre-determined and is not subject to the Manager’s ongoing discretion. Should the Manager decide to adjust the payout rate, affected investors will receive at least one month’s prior written notification.

The payout amount may vary from month to month based on the portfolio’s performance. The amount for each payout is determined by multiplying 6 per cent with the net asset value on the relevant dealing day, and then dividing it by 12.

It is important to diversify the retirement portfolio with other tools such as savings and medical insurance, as the Fund’s capital may be depleted in the very long term.

  • Unlike many insurance products which may have early withdrawal restrictions, the Fund does not impose early redemption penalties and does not have a lock up period
Flexibility

Fund information

Disclaimer

The value of investments and any income from them can go down as well as up and investors may not get back the amount originally invested. Past performance is not a reliable indicator of future performance. Any views and opinions expressed are subject to change without notice. Any forecast, projection or target where provided is indicative only and is not guaranteed in any way. We accept no liability for any failure to meet such forecast, projection or target. This page is prepared for general information purposes only and does not have any regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive it. Any views and opinions expressed are subject to change without notice. This document does not constitute an offering document and should not be construed as a recommendation, an offer to sell or the solicitation of an offer to purchase or subscribe to any investment.

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