Capitalise on stock movements and earn higher returns.


On maturity, we'll either return the initial investment with an enhanced yield if the stock price is higher than the strike or the selected stocks* if the price on maturity is lower than the strike.

Why you should consider this investment

Enjoy higher yields compared to traditional fixed deposits

  • You stand to gain potentially higher yields compared to a conventional fixed deposit.

Earn additional yields with your equity exposure

  • Enjoy additional yields whilst accumulating stocks which you had selected.

Flexibility in determining your desired strike price

  • If the Premium Equity-Linked Investment is converted into stocks, you will receive the number of stocks based on the agreed Strike Price.

You want control over your investments

  • Choice of tenure
    Take advantage of tenures from as short as 1 month to 6 months.
  • Choice of stock markets
    Decide which stocks suit your equity investment views from our wide range.
  • Choice of investment amount
    The minimum investment amount is SGD or HKD equivalent of RM50,000 2.

    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.

How does a Premium Equity-Linked Investment work?

Below is an illustration only and actual values may vary.

Step 1:

Let's assume you have SGD50,470 and you do not mind investing in and holding stocks of Singapore Telecom Limited (SingTel)

Step 2:

Let's say the Spot Price for SingTel as at the Trade Date is at SGD9.00. However, preferring to be more conservative, you set a strike price of SGD8.55 (95% of Spot Price)

Step 3:

You do not need the money in the next month, so you choose a 1-month tenure. At this stage, we will inform you of the confirmed yield you will enjoy. In this case let's assume it is 20% p.a.

Step 4:

On Fixing Day3, it will be determined whether your funds plus the confirmed yield will be repaid in cash or in stocks of SingTel.

Scenario 1 Scenario 2
SingTel's stock price appreciates above the Strike Price you have set.

It now trades at SGD10.25
SingTel's stock price depreciates below the Strike Price you have set.

It now trades at SGD8.25
You will receive your principal + 30 days' yield in SGD

SGD50,470 + (30/365 x 20% x SGD50 470) = SGD51,299.64*

*Figure has been rounded to the nearest SGD
You will receive SingTel stocks equivalent to your principal + 30 days' yield in SGD

[SGD50,470 + (30/365 x 20% x SGD50,470)] / SGD8.55 (strike price) = 6 Lots of SingTel's stocks4 (6,000 stocks)
What are your available options if you are repaid in stocks?
  • You can hold on to the stocks and wait for them to appreciate in value and enjoy additional dividend yields (if any).


    • What is Premium Equity-Linked Investment (Premium ELI)?
      A Premium ELI is a non-principal protected, equity-based structured investment that offers the opportunity for potentially higher returns.

    • What is the minimum age to invest in a Premium ELI?
      An investor must be at least 21 years of age and above to be eligible to invest in a Premium ELI.

    • Who can invest in a Premium ELI?


      • Malaysian citizens, excluding those who hold a foreign PR and reside abroad
      • Non-citizens of Malaysia who has obtained PR status and resides in Malaysia

      Non residents

      • Any person other than a resident
      • Malaysian citizen with foreign PR and who resides abroad

Learn more »

Terms and conditions apply. The Bank reserves the right to amend the facilities, and terms and conditions without notice.

* The underlying stocks currently available are those traded in the Singapore and Hong Kong Stock Exchanges. However, stocks traded in other stock exchanges may also be available.

2 Foreign currencies required / applicable for the Premium Equity-Linked Investments will be as per the currency requirements of the respective stock exchanges which the underlying stocks are listed.

3 The determination of Fixing Day applicable for the Premium Equity-Linked Investments will be as per the requirements of the respective stock exchanges on which the underlying stocks are listed.

4 The determination of number of stocks per trading lot applicable for the Premium Equity-Linked Investments will be as per the requirements of the respective stock exchanges on which the underlying stocks are listed.


The transaction details above are only indicative of a Premium Equity-Linked Investment made in SGD referencing to the stocks of Singapore Telecom Limited and is purely for illustration purposes only. The correlation between the Spot Price and the Strike Price, which determines the redemption amount and the delivery of stocks at maturity, may differ from the indicative transaction details above depending on the investment amount, tenure and strike price.

(Not insured by PIDM)



Premium Equity Linked Investment is not a deposit but an investment product. Unlike a traditional deposit, Premium Equity Linked Investment has an investment element and returns may vary. The returns on Premium Equity Linked Investment will be dependent, to at least some extent, on stock prices and on movements in specified currency exchange rates. A wide range of factors may affect the price of stocks. Investments in stocks are subject to price fluctuations, which may provide both opportunities and risks.

Investing in Premium Equity Linked Investments and in stocks is subject to investment risks. In particular, your principal is at risk. The value of your investment may fall as well as rise. Past performance is not necessarily indicative of future or likely performance.

This document is for information only and does not constitute investment advice or a recommendation. It has been prepared without regard to the specific investment objectives, financial situation or particular needs of any particular person.

Premium Equity Linked Investment involves an option exercisable by the financial institution, which confers on the financial institution the right to repay the proceeds of the investment at maturity in either cash or alternative instrument, which can then be converted into the stock of your choice. You should consider carefully whether any stock investment is suitable for you, in view of your investment objectives, financial means and risk profile. Investments in stock are not subject to the provisions of Malaysia Deposit Insurance Corporation Act 2005 nor eligible for deposit insurance coverage under the deposit insurance scheme.

Premium Equity Linked Investment is not insured by Malaysia Deposit Insurance Corporation.

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