FUND FACTS HSBC Global Asset Management (Canada) Limited HSBC Emerging Markets Pooled Fund December 18, 2014 This document contains key information you should know about the HSBC Emerging Markets Pooled Fund (the “Fund”). You can find more details in the Fund’s simplified prospectus. Ask your representative for a copy, contact HSBC Global Asset Management (Canada) Limited at 1-800-830-8888 and email@example.com or visit www.hsbc.ca/investment-resources. Before you invest in any fund, you should consider how it would work with your other investments and your tolerance for risk. Quick facts Fund code — Date series started September 21, 2010 Fund manager HSBC Global Asset Management (Canada) Limited Portfolio managers Income: annually, in December near month end Capital gains: annually, in December near month end Total value of the Fund on October 31, 2014 $115.6 million Distributions Management expense ratio (MER) Minimum investment 0.21% Delaware Investment Advisers, a series of Delaware Management Business Trust, Trilogy Global Advisors LP $50,000 initial, $250 additional What does this fund invest in? The Fund invests primarily in companies based in emerging market countries. It may also invest in companies based outside of emerging markets countries that have significant business in emerging market countries. The charts below give you a snapshot of the Fund’s investments on October 31, 2014. The Fund’s investments will change. Top 10 investments on October 31, 2014 1. Samsung Electronics Co., Ltd. 2. Baidu Inc., ADR 3. Taiwan Semiconductor Manufacturing Co., Ltd. 4. Itau Unibanco Banco Multiplo SA 5. Hon Hai Precision Industry Co., Ltd. 6. Reliance Industries Ltd., GDR 7. Teva Pharmaceutical Industries Ltd., ADR 8. Tim Participacoes SA, ADR 9. Banco Bradesco SA, Preferred, ADR 10. Dr. Reddy's Laboratories Ltd. Total percentage of top 10 investments 3.6% 3.4% 2.7% 2.0% 1.7% 1.5% 1.4% 1.3% 1.2% 1.2% 20.0% Total investments 187 Investment mix on October 31, 2014 Sector Mix Financials Information Technology Consumer Discretionary Energy Consumer Staples Industrials Telecommunication Services Materials Health Care Utilities Cash & Equivalents 19.9% 19.2% 11.8% 10.3% 9.0% 8.7% 8.2% 6.4% 3.7% 1.2% 1.6% Investment mix on October 31, 2014 Geographic Mix China Brazil South Korea India Taiwan South Africa Russia Mexico Thailand Hong Kong Turkey Indonesia Israel Netherlands 15.9% 14.1% 13.9% 11.5% 7.7% 5.8% 5.3% 4.2% 3.0% 2.3% 2.2% 2.1% 1.4% 1.3% Argentina Chile Panama Malaysia Poland Australia Colombia Hungary Philippines Cyprus Portugal Bahrain Cash & Equivalents 1.0% 1.0% 0.9% 0.8% 0.8% 0.7% 0.7% 0.6% 0.6% 0.3% 0.3% 0.0% 1.6% HSBC Emerging Markets Pooled Fund How risky is it? The value of the Fund can go down as well as up. You could lose money. One way to gauge risk is to look at how much the Fund’s returns change over time. This is called “volatility”. In general, funds with higher volatility will have returns that change more over time. They typically have a greater chance of losing money and may have a greater chance of higher returns. Funds with lower volatility tend to have returns that change less over time. They typically have lower returns and may have a lower chance of losing money. Risk rating HSBC Global Asset Management (Canada) Limited has rated the volatility of this Fund as high. This rating is based on how much the Fund’s returns have changed from year to year. It doesn’t tell you how volatile the Fund will be in the future. The rating can change over time. A fund with a low risk rating can still lose money. low low to medium medium medium to high high For more information about the risk rating and specific risks that can affect the Fund’s returns, see the What is a mutual fund and what are the risks of investing in a mutual fund? section of the Fund’s simplified prospectus. No guarantees Like most mutual funds, this Fund doesn’t have any guarantees. You may not get back the amount of money you invest. How has the Fund performed? This section tells you how the Fund has performed over the past 3 years. Returns are after expenses have been deducted. These expenses reduce the Fund’s returns. Year-by-year returns This chart shows how the Fund performed in each of the past 3 calendar years. During this period, there was 1 year in which the value of the Fund dropped. The range of returns and change from year to year can help you assess how risky the Fund has been in the past. It does not tell you how the Fund will perform in the future. 40% 30% 20% 10% 0% -10% -20% -30% -40% 12.7% 8.3% -19.9% 2011 2012 2013 Best and worst 3-month returns This table shows the best and worst returns for the units of the Fund in a 3-month period over the past 3 years. The best and worst 3-month returns could be higher or lower in the future. Consider how much of a loss you could afford to take in a short period of time. Return Best return Worst return 11.8% -16.3% 3 months ending If you invested $1,000 at the beginning of the period March 31, 2012 Your investment would rise to $1,118. September 30, 2011 Your investment would drop to $837. Average return A person who invested $1,000 in the Fund since its inception would have $1,159 on October 31, 2014. This works out to an annual compound return of 3.7% a year. HSBC Emerging Markets Pooled Fund Who is this fund for? A word about tax This fund might be suitable for investors who: In general, you pay tax on your share of the Fund's taxable earnings and capital gains you realize from redeeming your investment. The amount of tax depends on the tax rates that apply to you, and the type of earnings realized by the Fund (e.g. interest, dividends, capital gains, etc.) and whether or not you hold your investment within a registered retirement savings plan or other registered plan. • want to earn long-term capital growth • have a long-term investment time horizon • have a high tolerance for risk ! It is not suitable for investors with a low, low to medium, medium, or medium to high tolerance for risk or a short- or medium-term investment time horizon. Keep in mind that if you hold your investment outside of a registered plan, you will receive a tax slip that shows your share of the Fund's earnings. You must report your share of the taxable earnings in your taxable income, whether you receive them in cash or have them reinvested. In addition, you must calculate your taxable capital gains realized on redemption. How much does it cost? The following tables show the fees and expenses you could pay to buy, own and sell units of the Fund. The fees and expenses — including any commissions — can vary among the series of a Fund and among funds. Higher commissions can influence representatives to recommend one investment over another. Ask about other funds and investments that may be suitable for you at a lower cost. 1. Sales charges No sales charges apply when you purchase or redeem units of the Fund. 2. Fund expenses You don’t pay these expenses directly. They affect you because they reduce the Fund’s return. As of June 30, 2014, the Fund’s expenses were 0.33% of its value. This equals $3.30 for every $1,000 invested. Annual rate (as a % of the Fund’s value) Management expense ratio (MER)* This is the total of the Fund’s management fee and operating expenses 0.21% Trading expense ratio (TER) These are the Fund’s trading costs 0.12% Fund expenses 0.33% *The MER for the Fund consists of operating expenses only because the Fund does not pay management fees. 3. More about the trailing commission HSBC Global Asset Management (Canada) Limited does not pay your representative a trailing commission for the units you own of the Fund. 4. Other fees You will pay an investment management fee when you hold units of the Fund. Investment management fees are paid by you to HSBC Global Asset Management (Canada) Limited, HSBC Investment Funds (Canada) Inc., or your approved representative for the discretionary management of your portfolio. There are no fees associated with selling or switching units of the Fund. Fee What you pay Investment management fee These fees are negotiated between you and HSBC Global Asset Management (Canada) Limited, HSBC Investment Funds (Canada) Inc., or your approved representative and will not exceed 2.50%. HSBC Emerging Markets Pooled Fund What if I change my mind? For more information Under securities law in some provinces and territories, you have the right to: Contact HSBC Global Asset Management (Canada) Limited or your representative for a copy of the Fund’s simplified prospectus and other disclosure documents. These documents and the Fund Facts make up the Fund’s legal documents. • withdraw from an agreement to buy mutual fund units within two business days after you receive a simplified prospectus or Fund Facts document, or • cancel your purchase within 48 hours after you receive confirmation of the purchase. In some provinces and territories, you also have the right to cancel a purchase, or in some jurisdictions, claim damages, if the simplified prospectus, annual information form, Fund Facts document or financial statements contain a misrepresentation. You must act within the time limit set by the securities law in your province or territory. For more information, see the securities law of your province or territory or ask a lawyer. HSBC Global Asset Management (Canada) Limited 885 West Georgia Street, 3rd Floor Vancouver, BC V6C 3E8 Toll-free: 1-800-830-8888 Email: firstname.lastname@example.org www.hsbc.ca/investment-resources To learn more about investing in mutual funds, see the brochure Understanding mutual funds, which is available on the website of the Canadian Securities Administrators at www.securities-administrators.ca.