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Structured Deposits
Benefits and features
- Potential to earn higher returns than a time deposit
What is a structured deposit?
A structured deposit offers you the potential to earn higher returns than a Singapore dollar or foreign currency time deposit through packaging a deposit and an investment (usually in the form of an option) together. The return from a structured deposit is typically dependent on the performance of an underlying financial instrument in the form of one of the following:
- Market indices - for eg S&P 500 Index, STI Index, Nikkei 225 Index etc
- Equities - usually a basket of equities
- Interest rates
- Fixed income
- Foreign exchange/currency
Structured deposits are typically structured so that you will be repaid your principal only upon maturity. Structured deposits may be offered on a close-ended basis, where it is made available for a limited period only or on an open-ended basis, where it is made available on a regular basis.
To help you understand structured deposits better, here are two consumer guides:
Act now
- Phone: 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas.
- Make an appointment with us today
* Terms and conditions
The final terms as well as other important information can be found in the Asian Currency Plus Key Features Document which is available at all HSBC branches. Unlike traditional deposits, structured deposits have an investment element and returns may vary. Please note that the Asian Currency Plus structured deposit is not an insured deposit for the purpose of the Deposit Insurance Act 2005 (No. 31 of 2005). HSBC reserves the right in its sole discretion, to reject, withdraw or cancel this Structured Deposit wholly or partially on or before the Structured Deposit Start Date.
Important notes
A structured deposit is different from a traditional deposit as it has an investment element and returns may vary. The decision to invest in structured deposits should be based on your own judgement without relying on any material provided or advice given by the Bank or its representatives. Before investing in structured deposits, you should consider whether it fits with your financial goals, risk appetite and personal situation.
This document is for information only and should not construed as an offer to sell or the solicitation of an offer to purchase or subscribe for any investment. Before you make any investment decisions, you may wish to consult a financial adviser. Please visit any of our branches or contact our 24-hour Customer Service Hotline on 1800-HSBC NOW (4722 669) (in Singapore) or 65 6786 6666 (from overseas) to make an appointment. In the event that you choose note to seek advice from a financial adviser, you should carefully consider whether this investment is suitable for you.
HSBC reserves the right to vary the terms of, or withdraw the promotion at any time without notice.
Next steps
Call us on 1800-HSBC NOW (4722 669) in Singapore or (65) 6-HSBC NOW (4722 669) from overseas
Highlights
