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Structured Deposits
  1. Wealth Management
  2. Investment
  3. Structured Deposits

Structured Deposits

With a variety of tenors, Structured Deposits are attractive to investors with a low to medium risk appetite

What is a Structured Deposit?

It is a combination of a deposit and an investment product, where the return is dependent on the performance of some underlying financial instrument. Typical financial instruments linked to such deposits include market indices, equities, interest rates, fixed-income instruments, foreign exchange or a combination of these.

Benefits of Structured Deposits

Potential for higher returns

Potentially higher returns compared to traditional fixed deposit

No front-end fees or annual management fees

Diversification into underlying financial instruments

Portfolio diversification into respective underlying assets

Low to medium risk appetite

At maturity, the Structured Deposits will provide a return of 100% of the initial investment amount to the investor (subject to issuer’s credit risk and financial risks*)

Differences between Fixed Deposits and Structured Deposits

FIXED DEPOSITS
STRUCTURED DEPOSITS
Minimum investment amount is less, can be as small as $1,000. Minimum investment amount can start from $20,000
Returns are usually lower. Funds are usually placed in money markets for short period of time. Returns depend on performance of underlying financial instrument.
Typically a shorter tenor. Varies from 1 month to 3 years. Varies from 2 weeks to 10 years.
Lower risk as banks are obligated to pay principal in full at maturity. Riskier than traditional deposits because returns depend on performance of the underlying.
Covered by deposit insurance scheme. Not covered by deposit insurance scheme.

A structured deposit is an investment product, where the returns is dependent on the performance of underlying financial instruments such as market indices, interest rates, foreign exchange, or a combination of these.

Investors who:

– Have a medium to long investment time period

  • Portfolio diversification into respective underlying assets
  • Potentially higher returns compared to traditional fixed deposit
  • At maturity, the Structured Deposits will provide a return of 100% of the initial investment amount to the investor
    (subject to issuer’s credit risk and financial risks*)
  • The tenor should suit your investment time horizon
  • Evaluate best and worst possible outcomes and compare against the return from a term deposit of equivalent tenor and with a bank of the same credit rating
  • Understand the underlying mechanics of the investments
  • The frequency of the coupon payout should suit your cash flow requirements
  • There is a penalty imposed when unwinding Structured Deposits

Credit Risk

In the event of the insolvency or failure in any other way of issuer/ counterparty/underlying entity(ies), the investor may not receive the initial

investment amount.

Liquidity Risk

The investment product or its underlying asset may become illiquid, which could prevent an investor from promptly exiting unfavourable positions. Hence the investor could, therefore, potentially incur losses.

Market Risk

The value of the investment product maybe subject to fluctuations due to changing political, legal, economic conditions and other reasons.

Early Termination Risk

There is a penalty imposed when unwinding the Structured Deposits. The investor will incur a cost that may result in the loss of all or part of the initial investment amount.

Product Disclaimers :

This website is being distributed in Singapore by, and is attributable to, Standard Chartered Bank (Singapore) Limited (“SCBSL”). Recipients in Singapore should contact SCBSL in relation to any matters arising from, or in connection with, this website. SCBSL is an indirect wholly-owned subsidiary of Standard Chartered Bank and is licensed to conduct banking business in Singapore under the Singapore Banking Act 1970.

This website is being distributed for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration.

It has not been prepared for any particular person or class of persons and does not constitute and should not be constituted as an investment advice or an investment recommendation. It has been prepared without regards to the specific investment objectives, financial situation or particular needs of any person. You should seek advice from a licensed or an exempt financial adviser on the suitability of the product for you, taking into account these factors before making a commitment to purchase any product or invest in any investment. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether this product or service described herein is suitable for you.

You are fully responsible for your investment decision, including whether the product or service described here is suitable for you.

The products / services involved are not principal-protected and you may lose all or part of your original investment amount.

Unlike traditional deposits, structured deposits have an investment element and returns may vary.

Please refer to our risk disclosure statements such as the “Know Your Investment Risk” (“KYIR”) for other risks and more information.

SCBSL will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this website. This website is for general evaluation only and has not been prepared to be suitable for any particular person or class of persons.

SCBSL makes no representation or warranty of any kind, express, implied or statutory regarding this website or any information contained or referred to on the website. This website is distributed on the express understanding that, whilst the information in it is believed to be reliable, it has not been independently verified by us.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

Deposit Insurance Scheme

Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$100,000 in aggregate per depositor per Scheme member by law. For clarity, this is not a deposit and does not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2011. Foreign currency deposits, dual currency investments, structured deposits and other investment products are not insured.