Structured Investments

in the United States

Introducing the Annual Income Opportunity CD – the only CD to offer access to a selection of Morningstar's wide-moat stocks with a full return of principal at maturity.

Wide moat stocks are considered to have a sustainable competitive advantage that allows a company to earn above average returns on capital over a long period of time.

Please download a piece on The Morningstar® Economic Moat™ Rating for more information.

Below are some useful tools to help you find out more about Morningstar's research approach and protected investments:

Although HSBC has relationships with many broker-dealers, check with your syndicate desk to be sure that HSBC CD offerings are available through your broker-dealer.

Market-Linked CD products are bank deposits, obligations of the issuing bank, FDIC insured within applicable limits, not a liquid investment and are designed to be held to maturity. Market-Linked CDs are subject to investment risk, and any early repayment could result in a loss of principal investment.


This is not a recommendation, offer or solicitation to purchase or sell any CD, security, commodity, currency or other instrument. The information herein does not consider specific objectives, circumstances or needs of individual recipients. Recipients of this information should seek financial advice regarding the appropriateness of investing in any CD, security, commodity, currency or derivative instrument or strategy contained herein.

FDIC insurance: A Market-Linked CD represents a bank deposit obligation and is FDIC insured together with all other deposits you may have with the issuing bank, up to USD250,000 per depositor. Any funds deposited with the issuing bank (including other CDs issued by such bank) in excess of these limits will not be eligible for FDIC insurance. For more detailed information regarding FDIC insurance coverage, you may contact the FDIC call centre at +855 472 2967 or refer to the FDIC public website at, where you can obtain a copy of the FDIC's brochure, 'Your Insured Deposits, FDIC's Guide to Deposit Insurance Coverage'. Products and services are offered by HSBC Bank USA, NA, a member of FDIC.

Market-Linked CDs are provided by:

  • Registered representatives of HSBC Securities (USA) Inc, a member of NYSE/FINRA/SIPC, a registered futures commission merchant, a wholly owned subsidiary of HSBC Markets (USA) Inc and an indirect wholly owned subsidiary of HSBC Holdings plc
  • Distributors not affiliated with HSBC Securities (USA) Inc, HSBC Markets (USA) Inc or HSBC Holdings plc

Take advantage of our expertise

Contact our Market-Linked CD team.

Or call us toll free +855 472 2967 for more help and information.