A Lombard Lending loan is secured against your eligible assets, such as unit trusts, bonds, equities, and time deposits held with HSBC. The effective credit limit granted will be based on the Advance Ratio¹ of each eligible asset.

You may then use the loan for your own personal needs, or invest in eligible investment products with HSBC that can be repledged to further increase your effective credit limit.

The loan is secured against your existing eligible assets acceptable to the Bank. The effective credit limit granted is dependent on type of assets pledged and will be subject to bank's approval.

Find out more about how you can maximise your financial flexibility with HSBC: https://www.hsbc.com.sg/loans/....products/wealth-lend

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¹For more details on Advance Ratios, please refer to our HSBC SG website - Investing - Wealth lending

This document is for information only and for general circulation. It (or any part of it) shall not form the basis of, or be relied on in connection with, any contract or commitment. It should not be construed as a distribution, an offer to sell, a solicitation of an offer to purchase, a recommendation to buy or sell, or a forecast on future performance of, any investment or securities in any jurisdiction where such activities would be unlawful under the laws of such jurisdiction, such as the United States and Canada.

The specific investment objectives, personal situation and particular needs of any person have not been taken in consideration. You should not rely on this document as investment advice. Before you make any investment decisions, you may wish to consult a financial advisor. If you choose not to seek advice from a financial adviser, you should carefully consider whether the investment is suitable. Any transaction that you decide to make will be of your own choice and at your own risk.

The value of investments, units in the funds and the income accruing to the units, if any, may fall or rise, and the investor may not get back the original sum invested. Past performance is not necessarily indicative of future performance. Investors and potential investors should read the relevant prospectus, offering document or product information before investing.

The information in this document is derived from sources we believe to be reliable but which we have not independently verified. HSBC Bank (Singapore) Limited makes no representation or warranty (express or implied) of any nature nor accepts any responsibility for the completeness or accuracy of any information, representation or warranty in, or omission from, this document.

Trading in securities with leverage can be risky, and you may lose all or more of the amount invested or deposited. You should therefore consider carefully and exercise caution in making any trading decision whether or not you have received advice. Borrowing to finance the trading of your securities (leveraging/gearing) carries a high degree or risk. The leverage of the product can work against you and losses can exceed those of a direct investment. If the market value of a portfolio falls by a certain amount, this could result in a situation where the value of collateral no longer covers all outstanding loan amounts. This means that investors might have to respond promptly to margin calls. If a portfolio’s return is lower than its financing cost then leverage would reduce a portfolio’s overall performance and even generate a negative return.

If you are outside of Singapore, we may not be authorized to offer or provide you with financial planning services, advice or webinar invites in the country you are located or resident in.

Tap into expert insights and learn how you can better manage your investments to create wealth for your future.

Episode 3 of Let’s Talk Wealth: Can Investing Beat Inflation? Featuring Mr James Cheo, Chief Investment Officer, HSBC SEA & India.

Understand the complexities of inflation and its impact on your assets in this episode of Let's Talk Wealth.

Next episode: Demystifying the myths of investing in unit trusts, featuring Mr George Lam, Head of Discretionary Mandates Funds and ETFs, SEA: https://youtu.be/H6OSmwPgHp0

Have more questions? Find out more about creating wealth for your future with HSBC: https://grp.hsbc/1500706

Sign up for Premier: https://grp.hsbc/SOC1500702

SGD deposits are insured up to S$100K by SDIC

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This media content featuring speaker from The Hongkong and Shanghai Banking Corporation Limited, Singapore Branch is for information and general circulation only. It (or any part of it) shall not form the basis of, or be relied on for any investment or advisory purposes nor is it an offer by HSBC Bank (Singapore) Limited of any products or services. It is not and should not be construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. The specific investment objectives, personal situation and particular needs of any person have not been taken into consideration. Before you make any investment decision, you may wish to seek advice from a financial consultant before making any investment decisions. If you choose not to do so, you should consider whether the investment is suitable for you.


If you are outside of Singapore, we may not be authorized to offer or provide you with financial planning services, advice or webinar invites in the country you are located or resident in.