HSBC American Index Fund Acc C


March 2026
 
  • Square Mile rating
  • Risk of asset class
    1 2 3 4 5 6 7 8 9 10
  • Ongoing charges
    0.06%
    Transaction costs
    0.00%
    Total cost of investment
    0.06%

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026.


Overview

The focus of the fund is on growing the capital value of investments over time through a portfolio of equities. Whilst equities can lose money over short to medium time periods, over longer time periods, and particularly over multiple investment cycles, equities, in aggregate, have proved an extremely successful way of accumulating capital.

 

Square Mile’s Expected Outcome

We believe a return that closely matches that of the S&P 500 Index is a reasonable expectation for this passive investment strategy.


Square Mile’s Opinion

We believe that HSBC has a very strong commitment to managing passive strategies. Our rating on this fund is based on our opinion of the suitability of the benchmark the fund tracks, the management group's commitment to operating passive strategies, the size of the fund, the fund's cost, and its good historical record of tracking its benchmark.

Investors should note that they are unlikely to attain the exact benchmark performance in this fund due to several reasons, including different tax rates applied to the fund and the benchmark, trading costs incurred by the fund, fees charged by the fund management group, the fund holding a small amount of cash and futures due to client flows, and differences in time from when the fund and benchmark are priced.

The S&P 500 Index is a market-capitalization-weighted index that represents the performance of the 500 largest companies listed on American stock exchanges. These companies represent 503 stocks due to three companies having two different share classes. The index includes approximately 80% of the American equity market by capitalization. The index has a large allocation to stocks in the Information Technology sector, which represents broadly 25% to 35% of the index.


Fund Manager’s Formal Objective

The Fund aims to provide growth over the long term, which is a period of five years or more, by tracking the performance of the S&P 500 Index (the “Index”).

Capital Accumulation UK
Passive S&P 500 Composite index
Equity IA North America
0.95% £19,358M
Team Managed: HSBC Index and Systematic Equity Portfolio Management Team July
14.1 Pounds Annual
GBP 03/09/2012
14.1 Pounds 31/05/2025
0.00% -
- -

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026

 
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HSBC American Index Fund Acc C
 
 

Asset Manager Overview

HSBC Global Asset Management is the asset management arm of HSBC Holdings plc (HSBC Group). The HSBC Group is one of the largest banking and financial services organizations in the world, with operations in Europe, Asia Pacific, the Americas, the Middle East, and Africa.

HSBC has been conducting investment management services since 1973. In 1994, HSBC Asset Management was established when HSBC's regional asset management companies were brought together into a single business. The business is responsible for managing over $750 billion in assets globally.

Fund Manager/Team Overview

The equity and fixed income funds at HSBC are managed by two separate teams, each with expertise in their respective asset classes. The equity team manages over $150 billion in assets globally across Index & Systematic funds.

In October 2025 Patricia Keogh was promoted to Head of Passive Equity. Patricia has been at HSBC since 2013 and has over 25 years of investment experience. She is supported by a team of eight portfolio managers who collectively have extensive experience in passive investing.

Investment Philosophy & Process Overview

The fund invests in physical securities and follows a full replication approach. A full replication approach, as the name suggests, involves purchasing all the securities in the same weights as they are represented in the index. In principle, this sounds very straightforward, but there are subtle differences in the way corporate actions, such as dividends and changes to the index composition, are handled. The impact of these differences on performance is small, and this is captured in our analysis of the fund's returns.

This approach, gross of fees, can provide the highest degree of accuracy in tracking the fund's benchmark. However, it can also involve higher transaction costs compared to other methods and is therefore more suitable for liquid markets.

The fund is priced and traded at 12:00pm. If the underlying market is closed, a fair pricing adjustment may be applied to align the fund with the expected price of the tracked index. Most of the time, fair value adjustments have no material impact on the fund's pricing operations. However, occasionally, when a market is closed, an event may occur that would materially impact prices. This was the case in February 2022 when Russia's invasion of Ukraine led to the suspension of all Russian stocks to international investors. Therefore, a fair price adjustment was applied by valuing all Russian securities at zero.

The fund is priced at a different time than the benchmark, which can slightly increase the tracking error and lead to notable differences in performance if there are market moves between when the fund and the benchmark are priced. This difference should then be eradicated the following day.

The fund can engage in stock lending activities, but no more than 20% of the fund's NAV can be on loan at any point in time. Stock lending involves lending securities to another party and receiving income in return. Trades are typically conducted with another entity, usually an investment bank, which introduces counterparty risk—the risk that the other party in the deal may renege on their agreement and fail to repay the stock in full. Stock lending is undertaken by HSBC Bank plc, which is a different entity from the managers of the fund, HSBC Global Asset Management.

Square Mile believes that HSBC has strong risk controls in place to protect the fund in the event of a default, and that the risk of loss to investors is remote. HSBC requires any borrower to provide collateral in excess of the value of the stock borrowed. This collateral can be in the form of cash, equities, or government debt. If the counterparty were to default on its obligations, HSBC Bank plc themselves would indemnify the fund from any loss.

The fund benefits from the income generated through stock lending, with at least 75% of the gross income returned to the fund. The impact on performance from stock lending tends to be limited.

 
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HSBC American Index Fund Acc C
 
 

ESG Integration

Fund ESG Integration

The fund's management team does not currently consider environmental, social, and governance (ESG) factors as part of the investment process. This is unsurprising, however, given that the fund closely tracks its respective benchmark. Investors should be aware that the fund's benchmark might include companies whose revenue is generated through activities that have a negative impact on the environment, such as fossil fuels, as well as tobacco, gambling, and controversial weapons.



 
 
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HSBC American Index Fund Acc C
 
 

Risk Summary

Equities can be volatile investments and may be more suitable for investors with a longer time horizon. Investors should be aware that investing in passive funds, while eliminating many of the biases and potential misjudgements inherent in actively managed strategies, brings risks of its own. Like any fund, active or passive, this fund is exposed to market risk, which is the risk of loss due to adverse market movements. Investors are also exposed to the fact that the managers of the fund have little to no discretion regarding the timing of trades and the selection and sizing of holdings. Therefore, a sharp selloff in markets will lead to a sharp selloff in the fund's performance, as the fund managers have no flexibility to mitigate this.

Because this is a passive fund that tracks its benchmark, the fund's risk score reflects the nature of funds in the peer group (which includes active and passive funds) and not the fund itself. The fund's risk score of 2 indicates that within the peer group, there are more funds that are riskier than the fund’s benchmark.

The fund's performance, all else being equal, is likely to lag the index slightly over time due to the impact of fees. However, the managers will try to regain some of this by taking small views, where allowed, on the timing of purchases and sales following benchmark rebalances.

 

Additional Information

17.06%
12.96%
-18.89%
11.73%
-13.42%
1.14
1.07

(3 years data to last month end unless otherwise stated)

Qualitative Risk Assessment

Significant Potentially Significant Not Significant

For the full summary of the risks, click here

 
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HSBC American Index Fund Acc C
 
 

3 Year Rolling Sector Outperformance

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 12th March 2026. Share price total return.

 

Maximum Drawdown (Rolling 12 Months)

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 12th March 2026

 

Calendar Year Performance To Quarter End

Period Fund (%) Sector (%)
2025 9.8 7.0
2024 26.9 23.1
2023 19.3 17.6
2022 -8.9 -10.5
2021 31.1 26.1

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 30th March 2026


Value for Money

The fund's Total Cost of Investing (TCI) is in the top quartile of passive funds in its peer group. Over the long term the fund has reasonably tracked its benchmark, therefore we believe that the fund represents excellent value for money.

OCF v Peer Group

0.06%
Transaction Costs v Peer Group

0.00%
TCI v Peer Group

0.06%

Source: Square Mile and LSEG Lipper (all rights reserved), Data as at: 31st January 2026.

 
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HSBC American Index Fund Acc C
 
 

Rating Changes

The Square Mile ratings are reviewed every 6 months. For full details on the methodologies, click here.
For a full list of all Square Mile rated funds, click here.

Rating Changes over last 12 months Time & Date rating changed
 

Disclaimer

This document is issued by Square Mile Investment Consulting and Research Limited which is registered in England and Wales (08791142) and is a wholly owned subsidiary of Titan Wealth Holdings Limited (Registered Address: 101 Wigmore Street, London, W1U 1QU).

Unless otherwise agreed by Square Mile, this factsheet is only for internal use by the permitted recipients and shall not be published or be provided to any third parties. This factsheet is for the use of professional advisers and other regulated firms only and should not be relied upon by any other persons. It is published by, and remains the copyright of, Square Mile Investment Consulting and Research Ltd (“SM”). SM makes no warranties or representations regarding the accuracy or completeness of the information contained herein. This information represents the views and forecasts of SM at the date of issue but may be subject to change without reference or notification to you. SM does not offer investment advice or make recommendations regarding investments and nothing in this factsheet shall be deemed to constitute financial or investment advice in any way and shall not constitute a regulated activity for the purposes of the Financial Services and Markets Act 2000. This factsheet shall not constitute or be deemed to constitute an invitation or inducement to any person to engage in investment activity. Should you undertake any investment activity based on information contained herein, you do so entirely at your own risk and SM shall have no liability whatsoever for any loss, damage, costs or expenses incurred or suffered by you as a result. SM does not accept any responsibility for errors, inaccuracies, omissions, or any inconsistencies herein. Unless indicated, all figures are sourced by LSEG Lipper (all rights reserved). Past performance is not a guide to future returns.

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