A structured deposit is essentially a combination of a traditional deposit and a derivative, where return is dependent on the performance of an underlying financial instrument. Typical financial instruments, linked to such deposits include equities, fixed-income instruments, foreign exchange of a combination of these.

Structured deposit can form an important part of your investment portfolio, providing you with portfolio diversification, principal protection at maturity and the potential for enhanced returns. These innovative products provide a more flexible asset allocation and easy access to defensive investment strategies in a fast changing market conditions.

Key features

Key benefits

Suitable if

Illustrations

Knock Out Digital Investment linked to Spot Gold

Product Term Details
Structure   Knock Out Digital Investment linked   to Spot Gold
Tenure   9 months
Currency   AUD
Underlying   XAU/USD (spot:1721.895)
Strike   1721.895
Barrier   2100
Barrier Observation Period   Continuous
Maximum Coupon   10.00% pa
Outcome at Maturity  
  • If Barrier has not been triggered at any time during Observation Period and underlying closes at or above the strike at expiry
  • Investors receive the maximum coupon plus 100% principal
  • If Barrier has been triggered at any time during the the Observation Period or if underlying closes below strike at expiry
  • Investors receive plus 100% principal only

Tier Tower Deposit linked to AUD/USD

Product Term Details
Structure   2 Tier Tower Deposit linked to   AUD/USD
Tenure   6 months
Currency   AUD
Underlying   AUD/USD (spot: 1.0673)
Range 1   0.9900 – 1.1050
Range 2   0.9800 – 1.1200
Coupon 1   10.00% p.a
Coupon 2   5.00% p.a
Outcome at Maturity  
  • If Underlying trades within Range 1 throughout the Observation Period
  • Investors receive the Range 1 coupon plus 100% principal
  • If Range 1 is triggered but underlying trades within Range 2 throughout the Observation Period
  • Investors receive the Range 2 coupon plus 100% principal
  • If both Ranges are triggered at any time during the Observation Period
  • Investors receive 100% principal only

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To find out more, speak to any of our Relationship Managers or call our 24-hour service hotline at 1800 226 8899 or +(65) 6226 8899 from overseas.

Important notes
Your investment is principal protected by the Issuer at the maturity date. Depending on the fluctuation of foreign currency exchange rates, there is no guarantee of an investment return. You may only get back your principal at maturity. If you withdraw your investment before the maturity date, you may lose part of your return and/or principal. Any early termination costs such as administration costs, unwinding costs and other unforeseen costs will be deducted from your investment. No partial withdrawal of the principal is allowed. Unlike traditional deposits, structured deposits have an investment element and returns may vary. Structured deposit is not an eligible deposit for the purpose of deposit insurance scheme.