Depending on your investment needs, you can choose to invest in Term Deposits, Premium Currency Investments, Structured Investments, Bonds (Fixed Income) and Unit Trust funds.

Unit Trust

Commonly known as Unit Trusts or Mutual Funds, they are pools of investment combining money from many investors into a large fund and managed by professional fund managers. Invest through a wide range of investment instruments such as bonds, equities and currencies.

Features
  • Impressive range of products – More than 150 conventional Islamic, local and global funds offered
  • Customised investment plan

Bonds

We offer investment-grade Fixed Income Securities which are rated BAA or higher by Moody's or BBB or higher by Standard & Poor (S&P).

Features
  • Interest payments (coupons) at scheduled intervals
  • Capital repayment of the initial principal amount at an agreed date in the future (maturity date)

Structured Investments

These are principal-protected investments whose return is linked to various instruments to potentially enhance the returns over those of a normal deposit. Returns are based on the performance of the underlying assets at maturity.

Features
  • 100% principal protection if held at maturity
  • Potentially higher returns than fixed deposits
  • No front end fees and charges
How it Works

What should you be aware of when investing in a Structured Investment?

  • The investment tenors should suit your time horizon.
  • You should understand the underlying mechanics of the investment and compare its current market potential return with a Fixed Deposit of the same tenors.
  • Be aware of your cash needs and any penalty charges for early redemption or termination.

(Eligibility for protection by Perbadanan Insurans Deposit Malaysia may vary according to each structure. Please check with our staff for insurability status of each specific structure.)

Member PIDM

Information on Complaint:

A primary seller must ensure that the investors are provided information in promotional material on how complaints against Eligible Issuer may be made to the Security Commission, by contacting the Security Commission's Complaints Department:

  1. Via phone to the Aduan Hotline at: 03-6204 8999
  2. Via fax to: 03-6204 8991
  3. Via email to: aduan@seccom.com.my
  4. Via online complaint form available at www.standardchartered.com.my

WARNING

THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS STRUCTURED INVESTMENT IS ELIGIBLE FOR PROTECTION BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

Premium Currency Investments

Premium Currency Investment (PCI) is a short-term investment that provides investment opportunities in multiple currencies of your choice. It is a dual currency investment that provides potentially higher returns.

Features
  • Potential returns up to 15%* p.a.
  • Short tenures of 1 week to 1 month
  • Choices of currencies and conversion rates
How it Works

All you have to do:

  1. Choose a base currency.
  2. Choose another currency as your alternate currency.
  3. Agree on a Target Conversion Rate (TCR) to be applied between the two currencies.
  4. Decide on your placement tenure.

On maturity, you will get both principal and interest in either the alternate currency (to be converted at TCR) or the base currency.

This investment is ideal for you when:

  • You wish to enjoy higher potential earnings in either currency.
    • Enjoy yield as high as 7% p.a. to 15% p.a. Earn yield that is higher than conventional Fixed Deposit in your base currency.
  • Take advantage of a weaker currency.
    • If you are holding a currency that may be weakening against an alternate currency, take this opportunity to receive a higher interest rate, which may act as a buffer against the fall in value of the currency you are holding.
  • You seek superior pricing and service.
    • Real-time pricing for better informed investment decision-making.
      Gain the flexibility to potentially gain from foreign currency movements.
  • You want control over your investments.
    • Choice of currency – Within our range of available currency selection, you decide on the base and alternative currency pairing.
      • Australian Dollar
      • Euro Dollar
      • Japanese Yen
      • New Zealand Dollar
      • Pound Sterling
      • US Dollar
    • Choice of tenure – Take advantage of tenures as short as one week, two weeks or a month.
    • Choice of investment amount

Member PIDM

Information on Complaint:

A primary seller must ensure that the investors are provided information in promotional material on how complaints against Eligible Issuer may be made to the Security Commission, by contacting the Security Commission's Complaints Department:

  1. Via phone to the Aduan Hotline at: 03-6204 8999
  2. Via fax to: 03-6204 8991
  3. Via email to: aduan@seccom.com.my
  4. Via online complaint form available at www.standardchartered.com.my

WARNING

THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET/REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS STRUCTURED INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

Your investment amount can be as small as RM50,000* (or equivalent).

This product is made available only to individuals with (1) net personal assets exceeding RM3million or its equivalent in foreign currencies, (2) gross annual income exceeding RM300,000 p.a. or its equivalent in foreign currencies (3) total net joint assets with spouse exceeding RM3million or its equivalent in foreign currency excluding the value of their primary residence, (4) total joint gross annual income with spouse exceeding RM400,000 p.a. or its equivalent in foreign currencies; OR corporate/partnership that has total net assets exceeding RM10million or its equivalent in foreign currency as at the last day of that financial year. *The minimum investment amount is RM50,000 (SCB's requirement).

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1300 888 111

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Term Deposits

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.

Disclaimer

Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.

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