Enhanced Yield Strategies - Investments

Enhanced Yield Strategies

Dual Currency Investments (DCIs)

DCIs combine the potential profit opportunities of foreign exchange markets and interest rate markets to offer a high yielding deposit. DCIs are suitable for investors with regular flows in two or more currencies and are comfortable with accepting a higher level of risk as their principal in the original currency is not capital guaranteed.

Potentially benefit from a higher yield compared to conventional money market investments
Enhanced interest rate regardless of whether investors are paid in the base or alternate currency
Structured according to investor needs and view on expected currency market movements and cycles.

Tower Deposits

Tower Deposits enable investors to gain enhanced returns if the reference index stays within the specified range and has limited downside risk as they are principal-protected. Tower Deposits suit investors who hold the view that a reference index will trade within a specified range or ranges during the term of the investment.

Potential for enhanced yield, possibly earning more than market deposit rates

Individually tailored to fit a specific market view
Capital protection – 100% capital protected at maturity.

Find out more about Enhanced Yield Strategies.

The net return in relation to deposit will depend upon market conditions when making the deposit and upon the maturity date. You must be prepared to incur loss as a result of depreciation in the value of the relevant currency. Such loss may offset the interest earned on the deposit and may even result in losses in the principal amount of the deposit. If the deposit currency is not your home currency, and you choose to convert it back to your home currency at maturity, you may make a gain or loss due to exchange fluctuations.

The return in relation to a deposit will depend on prevailing market conditions when making the deposit or during the relevant deposit period. The value or measure of the underlying asset, security, index or other reference point may go up or down during such period and this will affect the return. The return may be less than would have been payable on a normal time deposit for the same period. We recommend you seek independent, professional advice to take account of your personal needs and financial circumstances and whether the products are appropriate for you.

Limits apply for investment products which may change from time to time.

Access to certain products may be restricted to "Professional Investors" as defined under the Securities and Futures Ordinance. We recommend you seek independent, professional advice or call us for more information.