Significantly increase your returns by leveraging FX market performance.

Who Should Invest

  • You want to enhance your returns via FX market performance.
  • Losses due to currency fluctuations are acceptable.
  • You prefer a short investment tenure and have no interim liquidity needs.

How to Invest

  • The investor sells an option to the bank, which earns a considerable option premium. This option enables the bank to pay back the principal and yields to maturity either in the principal currency or alternate currency based on a pre-agreed conversion rate.
  • The investor selects a principal currency, an alternate currency and investment tenure. The bank quotes conversion rate and investment return options, which the investor can then choose from.
  • On the fixing date, the bank compares the conversion rate with the relevant market rate to determine whether the principal and yield will be repaid in the principal currency or an alternative.

Example

Investor's view on the market The AUD/USD will not fall below 0.7640 within 1 month
Principal Currency USD
Alternate Currency AUD
Investment Tenure 1 month (31 days)
AUD/USD Market Rate 0.7668
Conversion Rate 0.7640
All-In Rate 9.32% p.a.
Scenario Analysis

For a USD100,000 investment

  Scenarios on the Fixing Day Fixing Rate at Maturity Currency Returned All-In Return Return (Net of Principal)
Scenario 1 USD depreciates against AUD 0.7645 USD USD100,000 + USD100,000 × 9.32% × (31/360) = USD100,802.56 Gain = USD 802.56
Scenario 2 USD appreciates slightly against AUD 0.7635 AUD [100,000 + 100,000 × 9.32 × (31/360)]/0.7640 = 131,940.52 Gain = USD 736.58 (equivalent)
Scenario 3 USD appreciates significantly against AUD 0.7570 AUD [100,000 + 100,000 × 9.32% × (31/360)]/0.7640 = 131,940.52 Loss = USD 121.02 (equivalent)

Scenario Analysis

Important Information

Friendly Reminder: Any information about individual Wealth Management products offered by Standard Chartered Bank (China) Limited ("Bank") is subject to announcement on the Bank's official website.

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