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My plan capitalise stock movements standard chartered premium equity linked investment x y

Plan and capitalise on stock movements with potentially enhanced yield

Pre-agreed stock purchase price for higher prospective yield

Choose your stock at a pre-agreed stock purchase price or strike, and capitalise on stock movements1 with potentially higher yield, through the Standard Chartered Premium Equity-Linked investment.


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Why you should consider this Investment?  

How it works

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 Singapore Dollar

SGD50,470 + (30/365 x 20% x SGD50 470) = SGD51,299.644

You will receive SingTel stocks equivalent to your principal + 30 days’ yield in Singapore Dollar

[SGD50,470 + (30/365 x 20% x SGD50,470)] / SGD8.55 (strike price) = 6 Lots of SingTel’s stocks5 (6,000 stocks)


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

Eligibility Criteria


  • Minimum Investment Amount

    RM50,000 or its Equivalent in Foreign Currencies


  • Net Personal Assets

    Exceeding RM3million 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 RM3million 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 RM10million or its Equivalent in Foreign Currency as at the Last day of that Financial Year.


Terms and conditions


The transaction details above are only indicative of a Premium Equity-Linked investment made in Singapore Dollar 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.

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 investment 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.


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.