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Global
  • Wealth

  • Commodity-Linked Structured Investment

Increase your potential for higher returns with the Standard Chartered Commodity-Linked Structured Investment

Greater potential for higher returns

Discover the opportunities in dual-investment, involving both gold and a currency of your choice with Standard Chartered – the first bank in Malaysia to offer such investment.

Features

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Easy ways to manage your investments

Invest online with our online trading and online unit trusts platform.

Earn potentially higher returns

How it works

Step 1
Choose your base currency / commodity (United States Dollar or gold [XAU])

Let’s assume you have funds of USD100,000 and you do not mind holding XAU

Step 2
Agree on a Target Conversion Rate (TCR) to be applied between the commodity and currency

Let’s say the exchange rate for gold is set in terms of USD at 1,340.50. However, preferring to be more conservative, you set a TCR of 1,321.47

Step 3
Decide on your placement tenure

You do not need the funds in the next two weeks, so you choose a 14-day tenure. At this stage, we will inform you of the confirmed coupon you will enjoy. In this case, let’s assume it is 25% p.a.

Step 4
On maturity, you will get both principal and coupon in either the base currency or commodity, depending on the United States Dollar or XAU rate as compared to your chosen TCR on valuation date (two business days before maturity)

 

Scenario 1
Scenario 2
United States Dollar weakens against gold compared to the TCR you have set. Gold now trades at USD1,340 per troy ounce United States Dollar strengthens against gold beyond the TCR you have set. Gold now trades at USD1,300 per troy ounce
You will receive your funds + coupon in United States Dollar

USD100,000 + (USD100,000 x 25% x 14/360) = USD100,972.22

 You will receive your funds + coupon in XAU converted at TCR of USD793.32 per troy ounce

[ USD100,000 + (USD100,000 x 25% x 14/360) ] / 1,321.47 = XAU76.41
What are your options if you are repaid in gold?

You can hold on to gold and wait for it to appreciate in value before selling it off to enjoy greater returns.

Alternatively, you can choose to enter into another Commodity-Linked structured investment, with gold as your base currency or commodity to potentially earn another round of higher coupon.

Eligibility and Conditions

Eligibility

  • Minimum Investment Amount

    RM50,000

  • Protection Criteria

    Not eligible for protection by Perbadanan Insurans Deposit Malaysia (PIDM)

  • Net Personal Assets

    Exceeding RM3 million or its equivalent in Foreign Currencies

  • Net Personal Assets Gross Annual Income

    Exceeding RM300,000 p.a. or its Equivalent in Foreign Currencies

  • Total Net Joint Assets with Spouse

    Exceeding RM3 million or its equivalent in Foreign Currency excluding the value of their Primary Residence,

  • Total Joint Gross Annual Income with Spouse

    Exceeding RM400,000 p.a. or its Equivalent in Foreign Currencies

  • Corporate/Partnership that has Total Net assets

    Exceeding RM10 million or its equivalent in Foreign Currency as at the last day of that Financial Year.

Conditions

  • The actual profit / shortfall is dependent on the relevant price New Zealand Dollar or Ringgit Malaysia at expiration.

FAQs

  • Commodity-Linked Structured Investment is a dual-investment involving a selected basket of currencies of your choice and gold. The investment is non-principal protected, but it offers the investor the opportunity for potentially higher returns.

  • An investor must be at least 21 years of age to be eligible to invest in a Commodity-Linked Structured Investment.

  • Residents

    • Malaysian citizens, excluding those who hold a foreign permanent resident and reside abroad
    • Non-citizens of Malaysia who have obtained permanent resident status and reside in Malaysia

    Non residents

    • Any person other than a resident
    • Malaysian citizens with foreign permanent resident and who reside abroad

  • A minimum investment of RM50,0001 must be placed for any Commodity-Linked Structured Investment deal.

    This product is made available only to individuals with

    • Net Personal Assets exceeding RM3 million or its equivalent in foreign currencies
    • Gross Annual Income exceeding RM300,000 p.a. or its equivalent in foreign currencies
    • Total Net Joint Assets with spouse exceeding RM3 million or its equivalent in foreign currency excluding the value of their primary residence,
    • 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 RM10 million or its equivalent in foreign currency as at the last day of that financial year.

     

    • Potential to reap the benefits associated with gold
    • Short term investment with tenures as short as 1 week
    • Diversification of investment
    • No annual or management fee
    • Customise deals

  • Yes. However the costs of early cancellation may have the effect of reducing the amount of principal repayable. As such, it is not advisable to cancel your Commodity-Linked Structured Investment account deal prior to its maturity.

  • An investor who:

    • Is indifferent to either currency selected
    • Has a need for both currencies
    • Wants to diversify an investment portfolio
    • Is willing to accept exchange rate risks associated with this investment

Terms and conditions

Disclaimer

The transaction details above are only indicative of an investment made in United States Dollar referencing to gold and is purely for illustration purpose only.

The correlation between the exchange rate (United States Dollar or gold [XAU]) and the Target Conversion Rate (TCR), which determines the redemption amount and currency of the payout at maturity, may differ from the indicative transaction details above depending on the investment amount, tenure and TCR.

Note:

The returns on your Structured Product Investment will be affected by the performance of the Underlying Assest / Reference , and the recovery of your principal investment may be jeopardised if you make an early redemption . This Structured Investment is not protected by Perbadanan Insurans Deposit Malaysia.

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