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Structured Deposits
Information
“Structured Deposits” are an investment instrument linking time deposits and options. Simply put, the interest accrued from the time deposit is used to invest in options. The profit from exercising the option will be the return of the product at maturity. Therefore, no matter which underlying the product is linked to, you can have the peace of mind of getting back your principal at maturity. This product can be customized to meet the special needs of specific investors.
“Structured Deposits” may be denominated in different currencies, including USD, EUR, AUD, NZD and others. The options may be linked to foreign exchange rates, interest rates, stock prices, equity index and others and can be issued for short and medium tenor for different investment needs. If the invested options perform as expected, there is the opportunity that the investors can have higher return than interest from the time deposit. On the other hand, if the options cannot yield the expected amount of profit, investors can still get back the principal amount at maturity.*
* Please refer to individual product term sheet or Agreement on individual product for the details of the principal protection / minimum return rate, and conditions for foreign currency time deposit pledge.
Features of “Structured Deposits”
- Principal protection at maturity
- Provide minimum return
- No processing fee.
- Match your cash needs.
Structured Deposits Related Information
- Structured Deposits Investment Channels
- Main risks for investment in “Structured Deposits ”
- Investment Example
Disclaimers
Structured deposit is a form of structured product and is different from the traditional form of time deposit. Therefore, it is not a substitute for regular time deposits and is not inclusive in the extent of the Central Deposit Insurance Corporation (CDIC). Investors shall assume the credit risk of HSBC as their own responsibility.
Investment entails risk. Return from the investment is determined by market situation within the investment tenor or the expected time span. The performance of a structured deposit in such a period may be positive or negative, which in turn will affect the return. The return from this product may fall lower than the return of time deposits covering the same period. Investors shall prepare to assume risk, and may not earn the same interest from investment otherwise with the same principal. Investors shall make independent judgment on participation in any of the investment programs cautiously with reference to their own capacity to assume risks, investment experience, investment objectives, financial positions and related conditions (effect on legal, taxation and accounting aspects).
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