We offer various payout structured investment products to meet your different needs

We understand your financial needs by providing you with various payout structures and flexible investment tenor.

Structured investment products offering now*

Product launch notice

Product ID Product name Minimum
Investment
Amount		 Selling Window
SD20130501 9 Month RMB FX (EUR/USD) Linked Knock-Out Participator Structured Investment Product RMB150,000 2013-5-6 to 5-17
SD20130502 12 Month AUD FX (AUD/USD) Linked Daily Range Accrual Structured Investment Product AUD20,000 2013-5-13 to 5-28
SD20130503 12 Month RMB FX (AUD/USD) Linked Dailly Range Accrual Structured Investment Product RMB150,000 2013-5-13 to 5-28

Low risk

It provides you 100% principle protected if you hold the product upon maturity.

Potential high return

It gives you the potential opportunity to earn a higher return than traditional time deposit.

Flexible Tenor

It gives you the flexibility of investment tenor varying from 3 month to 18 month to help with your liquidity management.
(You are prohibited from any early withdrawal of your investment prior to Maturity Date.)

Various payout structure and investment currency

What is a Structured Investment Product (SIP)?

A Structured Investment Product is essentially a combination of a traditional deposit and a derivative, where the return is dependent on the performance of some underlying financial instrument. Typical financial instruments linked to such deposits include market indices, equities, interest rates, fixed-income instruments, foreign exchange or a combination of these.

Please note that the Structured Investment Product is not an ordinary savings or term deposit. You can get the full principal (principal-protected SIP) or partial principal (non-principal protected SIP) amount stated in the structured investment product term sheet only when you hold the product till maturity. The return amount may be higher or lower than what you may receive from deposit products, such as ordinary savings deposit or ordinary term deposit or sometimes be zero. Your return amount will depend to some extent on market movements in the underlying. You should make sure that you are able to understand and evaluate the possible impact of movements in the applicable underlying and how this can affect your principal amount and return amount.

What are the key risks of a Structured Investment Product?

Liquidity Risk – NO early withdrawal allowed:

The Investment Product contemplates a fixed term of commitment on your part, returns (if any) will only be paid to you upon maturity of the Investment Product. Unless the Bank provides written consent, you are prohibited from any early withdrawal of your investment prior to Maturity Date. Such consent by the Bank is at its absolute discretion and subject to such conditions as it deems fit.  Such conditions may reduce the Return Amount or the Principal Amount repayable to you. Accordingly, you may suffer substantial losses on the Principal Amount upon an early withdrawal or early termination of the Investment Product.

Foreign Exchange Risk:

You may be exposed to foreign exchange risk as the Investment Currency may not be your preferred home currency of choice. Your potential return from a Structured Investment Product may not be greater than the foreign exchange losses due to fluctuation.

Return Risk:

Your investment return depends on the performance of the Structured Investment Product underlying. You may receive zero return or a return that is lower than traditional savings/time deposit interest rate for same tenor time deposit for the whole investment period.

Deposit Taker Risk:

This is an investment product and not a deposit. Your Principal Amount may not be paid back in the unlikely event of the Bank being insolvent.

For detailed risks associated with a Structured Investment Product, please refer to Structured Investment Agreement, General Risk Disclosure Statement and Product Term Sheet.

The table below is a simplified illustration of Structured Investment Product versus Time Deposit and Unit Trust in terms of returns and risks. It also shows how Structured Investment Product can diversify your investment portfolio in terms of returns and risks.

Risk vs. Return illustration

Category Time Deposit Structured investment product Unit trust
Principal 100% Returned 100% or partially returned upon maturity No protection or limited protection under specified condition
Returns Fixed interest rate Investment return or Not guaranteed Not guaranteed
General investment risk assumed and corresponding expected returns Low Medium High

* Please refer to related Term Sheet for detail information.

The content of this website is for reference only and shall not be deemed as the Bank's official document in respect of the above-mentioned investment products, nor shall it constitute a request or solicitation to any person to invest in any of such products. Should you need to know any relevant investment product, please ask the Bank for official marketing and sales documents.