Structured Investment

Capture Global Opportunities, Explore Prudent Investment

Risk Disclosure and Important Information

Structured Investment with Capital Protection at Maturity is capital protected investment product with floating returns, which involves investment risk. You will only obtain the return (if any) as per the express stipulation of the applicable terms and conditions. You should fully understand the investment risk and act prudently in making the investment decision.

Structured Investment with Partial Capital Protection at Maturity is non-capital protected investment product with floating returns involving investment risks. You may suffer substantial loss of partial capital due to change in market conditions. You should fully understand the investment risk and act prudently in making the investment decision.

• Return Risk: Unlike traditional deposits, Structured Investments have an investment element and returns may vary. You may receive low or no return for the entire tenor of the Structure Investment; If you invest in partial capital protected structured investment products, you may even lose part of the invested capital for the entire tenor of the Structured Investment.
• Foreign Exchange Risk: If the investment currency is not your base currency, and you choose to convert other currency into the investment currency for the purpose of subscribing for this Structured Investment and/or you choose to convert the investment principal and return (if any) back to your base currency, your actual investment result could be affected positively or negatively due to exchange rate fluctuations.

The return of Structured Investments are usually linked to the performance of underlying financial assets such as equity, interest rate, foreign exchange rate, index, fund or commodity. It provides you with opportunities to earn higher potential returns via a variety of payoff mechanisms. You may choose the suitable products based on your investment goals and risk appetite to maximise wealth enhancement.

Structured Investment

• Provide 100% capital protection or partial capital protection at maturity
• Returns linked to various types of global financial assets *
• Diversified return calculation and payoff structures

* Kindly note that the potential return of the Structured Investments is not 100% reflecting the actual performance of the underlying assets.

Product Features

• Different capital protection levels for selection
  Your investment will be 100% or partially (e.g. 90%) capital protected if you hold it to maturity. In the volatile market, the 100% or partial capital protection mechanism helps you control the investment risk to a certain extent.
• Capture Global Investment Opportunities
  The returns of the Structured Investment products are usually linked to the performance of underlying global financial assets such as equity, interest rate, foreign exchange rate, index, fund or commodity, which helps you capture all kinds of global investment opportunities and gain higher potential returns; as well as implement global allocation, diversify investment risks, and optimize investment portfolio.
• Diversified return structures
  Provide diversified return structures by structured design, to comprehensively reflect your market views and risk preference in investment, and to satisfy your specific investment needs.
• Flexible Investment Tenor
  The investment tenor is dependent on the market needs, usually from 3 months to 5 years, which is beneficial to your wealth management in a flexible way.
• Multiple Choices for Investment Currency
  Provide various choices of investment currency, including RMB, USD, AUD, HKD, EUR and other major currencies.
• Early Redemption Choices
  In terms of a majority of the long tenor products, subject to product terms, the bank may allow monthly early redemption at market value of the product(s) usually 3 months after start date, to meet your emergency needs for cash.

Operation Mechanism

The bank will invest major amount of your initial invested capital in structured investment products in relatively safe assets, such as money market instrument or treasury bonds, to ensure 100% or partial capital protection (i.e. 90%) at maturity. The potential return (if any) will come from the Bank’s investment of the remaining portion of your initial investment amount in derivative product(s) by trading options in global financial market.

Note: The illustration above is for reference only, and the potential return might be 0.

If you:

• Tend to participate in global financial market, are willing to take higher potential risks in exchange for a higher potential return
• Are willing to invest in more types of asset (equity, interest rate, foreign exchange rate, index, fund, commodity) to diversify investment risk
• Are willing to explore new investment opportunities, but with concerns on lack of experience, hope to set a stop-loss level and secure safety of your principal.
• Are looking forward to leveraging a variety of payoff structures to accommodate the investment strategies under different market conditions.

Then:
Structured Investment might be suitable for you as one of your ideal wealth management tools!

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