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Learn more about Fixed Income.

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Structured Products

Learn more about Fixed Income.

Fixed Income  

Fixed income is a debt security where investors can attain passive income. There is a wide range of debt securities available. Debt securities investors are comfortable lending their money to an issuer for the agreed period as they have expectations that the issuer can generate sufficient cashflow to meet coupon and maturity payments.

Debt Securities

Debt Securities Introduction Video

Key Features

Things you may wish to know about debt securities

Regular income

Issuers are obligated to pay out regular coupon to debt security investor. Hence offers you a regular and stable stream of passive income.

Hedge against inflation

You may potentially earn an investment return which keeps pace with or even exceed the inflation rate

Capital appreciation

The bond price may appreciate over and above the initial purchase price and allows you to realise capital gains.

Diversification

You can gain access to a wide range of debt securities in multiple currencies across global financial debt markets

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More about Debt Securities

THINGS YOU MAY WISH TO KNOW ABOUT DEBT SECURITIES
1.Credit Risk

Investor expects the Issuer to generate sufficient cash flow to be able to pay the maturity value, coupons/dividends as stated.
2.Duration Risk

This refers to the length of time to when the debt security matures. You should note that the longer the term to maturity the greater the risk of the debt security.
3.Interest Rate Risk

Generally, when interest rates rise, the debt security prices may fall. This can negatively affect the value of your investment if you choose to sell before maturity.
4.Liquidity Risk

This is not a liquid instrument. You should be prepared to hold a debt security to maturity. You may not be able to sell or transfer the debt security at any time prior to maturity.
5.Foreign Exchange Risk

You should be aware that your investment can be affected by foreign exchange risk if the debt security purchased are denominated in currencies other than in your base or natural currency.

Glossary

  • Term Definition
    Par Value The par value or the face value of the debt security is the amount that the issuer has borrowed from the investor.
    Coupon Are payments made at regular intervals and may be quarterly, semi-annually or annually. The coupon reflected is usually quoted in annual terms.
    Yield Debt securities market prices will vary in the secondary market from its par value. Current Yield reflects the return of a debt securities that is held to maturity/worst.
    Callable Some debt securities has an embedded call feature allowing for the Issuer to early redeem the securities.
    Issue Date The issue date of the Debt Security.
    Maturity Date The maturity date of the Debt Security

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Disclaimer

Investment Products:
The content of this webpage does not constitute an offer, recommendation or solicitation of an offer to enter into a transaction or adopt any hedging, trading or investment strategy. It has not been prepared for any particular person or class of persons and does not constitute and should not be construed as investment advice nor an investment recommendation. It has been prepared without regard 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 or invest in an 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 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 investment products mentioned are not principal-protected and you may lose all or part of your original investment amount. Standard Chartered Bank (Singapore) Limited (“SCB”) will not accept any responsibility or liability of any kind, with respect to the accuracy or completeness of the information in this website.

Investment products are not deposits and each of the investment products mentioned does not qualify as an insured deposit under the Singapore Deposit Insurance and Policy Owners’ Protection Schemes Act 2012 Rev. Ed, Cap 77B.

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