Structured Deposits

Now, enjoy potentially higher returns as compared to traditional fixed deposits with Standard Chartered Structured Deposits. With return of principal (subject to conditions), a variety of tenors and no front end fees and annual management fees, Standard Chartered Structured Deposits are an attractive financial instrument for investors with a low to medium risk appetite.

1. 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.

The typical financial instruments linked to such deposits might include market indices, equities, interest rates, fixed-income instruments, commodities, foreign exchange or a combination of these.

2. Why invest in Structured Deposit?

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
Readily available in different tenors and underlying instruments subject to customers' needs and demands
No Front end fees and annual management fees

3. 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

4. What should investors look out for when investing in Structured Deposit?

Tenure should suit one's 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 tenure & credit rating.
Understand the underlying mechanics of the investments.
Credit worthiness of issuing bank.
Frequency of the coupon payout to suit one's cash flow requirements.
Penalty to unwind should one needs to liquidate the investment

Disclosures and disclaimers * Warning
Unlike traditional deposits, structured deposits have an investment element and returns may vary. You may wish to seek advice from your financial adviser before making a commitment to purchase a structured deposit. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether a structured deposit is suitable for you.

Structured Deposits

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