What is a Structured Deposit?

  • A structured deposit is essentially a combination of a deposit and an investment product, 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, commodities, foreign exchange or a combination of these.

What are the benefits?

  • Low to medium risk appetite
  • Return of principal (subject to conditions*)
  • Potentially higher returns/yields as compared to traditional fixed deposits
  • Diversification into the underlying financial instruments
  • Available in different tenors and underlying instruments subject to customers' needs and demands
  • No front-end fees

Who should invest in Structured Deposit?

Investors who:

  • Have a medium to long investment time period
  • Want return of principal (subject to conditions*)
  • Have a view on the outlook of the underlying investment

What should investors look out for when investing in Structured Deposits?

  • The tenor should suit your investment time horizon
  • Evaluate the best and worst case return based on the formula, and compare it against the return from a term deposit of equivalent tenor and with a bank of the same credit rating
  • Understand the underlying mechanics of the investments
  • Credit worthiness of issuing bank
  • The frequency of the coupon payout should suit your cash flow requirements
  • Whether there is a penalty to unwind if you need to liquidate the investment prior to maturity

* Return of principal is applicable only when the Structured Deposit is held till maturity and provided that (i) the issuing bank does not become insolvent or default on its obligations or fail in any other way and (ii) you do not choose to terminate the Structured Deposit prior to its stated maturity date.

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