Protect your principle and access potentially higher returns.

Who Should Invest

  • You want to enhance your returns via stock market performance.
  • You are looking for principal protection.
  • You prefer a medium to long investment tenure and have no interim liquidity needs.

How to Invest

  • The bank provides various investment strategies linking investment return with stock market trends. The specific underlying index/price is subject to market view.
  • Sign up to a term sheet if the investment strategy meets your stock market view.
  • The bank calculates your return on investment on the fixing date based on a pre-agreed calculation, and repays the principle plus yield on the date of maturity.

Example

Example I: "BRIC": a basket of Stock Index-Linked Investments (Tranche ID: ILI200605)

Investment Currency USD
Investment Term 3 years
Underlying Assets 4 stock indices in emerging markets:
Morgan Stanley Capita Int'l Brazil Index
Russia Traded Index
FTSE/Xinhua China 25
Morgan Stanley Capital Int'l India Index
Trade Date 26 May 2006
Initial Level The closing level of each index on the trade date
Rate of Return 11.1% p.a.
Accrual Strike Level 4 indices close no lower than 90% of the initial level on observation day
Early Termination All indices close at 96% of the initial level or above every quarter-end
Yield Accrual & Payment Yield is accrued daily and paid quarterly
Scenario Analysis

Let's take Q1 as an example of yield for an USD10,000 investment. Assume the total number of observation days in Q1 is 60 days.

  Scenarios Annualised Rate of Return Quarterly Yields Earned
Scenario 1 4 indices are above the initial level for 60 days in Q1 60/60 x 1.1% = 11.1% 11.1% x USD10,000/4 = USD277.5
Scenario 2 4 indices are above the initial level for 40 days in Q1 40/60 x 1.1% = 7.4% 7.4% x USD10,000/4 = USD185
Scenario 3 4 indices are above the initial level for 0 days in Q1 0.00% USD0
Early Termination

Every quarter-end, the investment will be terminated automatically if the indices close at or above the 96% of the initial level. Principal + yield will be paid on the yield payment day.

  Scenarios Early Termination (Yes or No)
Scenario 1 All indices close at 96% of the initial level or above at the end of Q1 Yes (the actual investment term is 3 months)
Scenario 2 Any index closes below 96% of the initial level at the end of Q1 No (continue quarterly observation on the investment)

Example II: "Infrastructure": a basket of stock-linked investments

Investment Currency USD
Investment Term 2.5 Years
Underlying Assets 4 "infrastructure" blue-chip stocks listed in Hong Kong and Singapore (Hutchison Whampoa, CITIC Pacific, COSCO Pacific, Capitaland)
Trade Date 20 June 2006
Initial Price The closing price of each stock on the trade date
Early Termination Daily observe is 110% of initial level; or
Weekly observe is 108% of initial level; or
Monthly observe is 105% of initial level
Yields Accrual & Payment Yield is accrued daily and paid quarterly
Scenario Analysis

For a USD10,000 investment

Scenarios Rate of Return Yield to Maturity
Early Termination is triggered if all stocks in the basket close at or above their respective callable level Daily observe is 110% of initial level 10% USD10,000 x 10% = USD1,000
Weekly observe is 108% of initial level
Monthly observe is 105% of initial level
If Early Termination is not triggered; then on the maturity date The closing price of each stock is 100% of the initial price or more (assume 4 stocks increase by 4%, 5%, 3.5%, 3% respectively) 5 x increase extent (%) of the stock that rose the least USD10,000 x (5 x 3%) = USD1,500
The closing price of any stock falls below 100% of the initial price 0.00% USD0

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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