Structured Product

Structured Investment Products

Structured Investment Products feature the integration of deposit and financial derivatives to protect 100% principal at maturity. The return from a Structured Investment Products is dependent on the performance of an underlying financial instrument.

Typical financial instruments linked to a Principal Protected Notes include equities, interest rates, and foreign exchange rates. They can be designed to protect full amount of invested capital, while providing the investor with the potential to earn a higher return based on the underlying performance. They are usually issued by a financial institution and investors are exposed to the credit risk.

Features

  • Protection of principal invested at maturity
  • Potential higher yields than interest of traditional deposits
  • Customized pay-off profile to suit investors’ needs
  • Multiple choices of underlying instrument combinations

How to apply

  • Visit any of our branches or contact our Treasures Relationship Manager.
  • Call our 24-hour personal banking service hotline at 0809-002889 or 02-66129888.

Useful Links

Investment Risk Warning:

  1. The product is a complicated financial instrument, which requires explanation in person for investment decision. If you are not able to completely understand the product, please do not invest.
  2. This Product is an investment, not a deposit and is excluded from coverage of deposit insurance.
  3. You shall read product description and risk disclosure statement carefully, assess the product independently and take on the risk of loss.
  4. You shall understand that the product is an investment instrument and agree to take on its market risk and DBS’s credit risk.
  5. Please do not sign the relevant documents before you completely understand the content of the documents including product term sheet and agreement.
  6. You should tend to hold this investment until maturity. You shall not collect 100% the principal of your investment before maturity. Given the validity of this precondition, the Bank may agree to terminate the product before maturity based on the terms acknowledged and approved by the Bank.
  7. In the worst case scenario, you may loss the return and your original investment amount if the Bank defaults.

Risk Disclosure:

    1. This Product is an investment, not a deposit and is excluded from coverage of deposit insurance.
    2. This Product is an investment, not a deposit and is excluded from coverage of deposit insurance. As the risks involved are different from bank deposit, this product shall not be seen as a substitute of demand, saving or time deposits.
    3. You should fully understand the nature of structured products and risks related to the products. You should assess the appropriateness of investing in the product based on your condition and financial status. Structured products shall not constitute the major investment in your portfolio. Product information and terms provided by the Bank does not constitute as an offer to sell or the solicitation of an offer to subscription. You shall refer to the transaction documents for product details and related rights.

Please do not sign the relevant document before you completely understand the content of the structured products documents.

  1. You shall take on credit risk of the Bank. In the worst case scenario, you may loss your principal and return if the Bank defaults.
  2. You shall not early terminate the product before maturity or request the Bank to pay part or full of the investment amount. Given the validity of this precondition, the Bank may agree to terminate the product before maturity based on the terms acknowledged and approved by the Bank. Your should note that the amount get back from early termination might be less than the original investment amount. Your need to take the risk of loss occurring from early termination including but not limiting to the loss related to interest rate movement, expenses, service fees, or penalty amount. In the worst case scenario, the amount from early termination could be zero or not able to be early terminated. You would have the risks of not able to get back 100% of principal amount and the reinvestment risk in the case of early termination.

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