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Dual Currency Investment for small businesses

Dual Currency Investment (DCI) is a short-term investment product that gives you the opportunity to potentially gain higher returns on your investment in currency markets by linking the performance of currency pairs. This product is a non-capital-protected structured investment.

Key benefits

  • Flexible investment period
  • Wide range of currencies and conversion rates
  • Different risk options

Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

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Key features

  • Flexible investment period
    Select the investment period that best suits you, ranging from 1 week to 2 months.
  • Wide range of currencies and conversion rates
    Select your currency pair - a base currency and a linked currency. Set your target conversion rate on the day of the transaction and upon maturity, you will receive your initial investment plus any interest earned in either the base currency or linked currency, at the pre-agreed conversion rate. Participating currencies include USD, HKD, AUD, CAD, EUR, GBP, JPY, CHF, NZD and SGD.
  • Different risk options
    We provide 2 risk selections based on your risk appetite, investment needs and comfort level: the basic type or the 80% partial capital protection at maturity type.

Eligibility

The basic type is best for those:

  • with a balanced risk tolerance or above;
  • who have some knowledge of and experience with structured investments (been classified as Experienced Investor after the assessment of the Risk Profile Questionnaire);
  • who agree with the terms and conditions of this product and can afford the relevant investment risks.

The partial capital protection at maturity type is perfect for those:

  • with a stable risk tolerance or above;
  • who have some knowledge of and experience with structured investments (been classified as Experienced Investor after the assessment of the Risk Profile Questionnaire);
  • who agree with the terms and conditions of this product and can afford the relevant investment risks.

How it works

You can select the type of the structure,base currency, linked currency, tenor and conversion rate for your Dual Currency Investment on Trade Date. The minimum investment amount is USD 17,000 (or its equivalent in other currencies).

The Bank observes the market rate at Fixing Time on Fixing Date (i.e. the Fixing Rate) :

1. With respect to Dual Currency Investment (Basic Type):

  • If the Investment Currency depreciates or slightly appreciates against the Linked Currency and does not breach the Conversion Rate, the principal and coupon will be paid in the Investment Currency at maturity;
  • If the Investment Currency appreciates against the Linked Currency and breaches the Conversion Rate, the principal and coupon will be converted to the Linked Currency at the Conversion Rate and paid in the Linked Currency at maturity. 

2. With respect to Dual Currency Investment (Partially Principal Protected At Maturity Type):

  • If the Investment Currency depreciates or slightly appreciates against the Linked Currency and does not breach the Conversion Rate, the principal and coupon will be paid in the Investment Currency at maturity;
  • If the Investment Currency appreciates against the Linked Currency and breaches the Conversion Rate, the principal and coupon will be converted to the Linked Currency at the Conversion Rate and paid in the Linked Currency at maturity;
  • If the Investment Currency appreciates against the Linked Currency and reaches or breaches the Strike Rate of Partial Principal Protection At Maturity (hereinafter also referred to as “Strike Rate”), Customer will receive 80% of principal invested which will be paid in the Investment Currency at maturity (which is calculated by and derived from first converting the “Principal and Coupon” to the Linked Currency at the Conversion Rate and then converting back to the Investment Currency at the Strike Rate).

Related products

Are you a cautious investor who doesn't mind some fluctuations in the value of your investment returns, but still wants to protect your capital investment? Then you can consider our Enhanced Yield Investment (EYI) product, which is linked to the performance of foreign exchange rates. This product is 100% capital protected at maturity.

Capture global investment opportunities with our structured products, which are designed to minimise risk and optimise your returns. We help you take charge of your finances by providing you with diversified options, improved returns and stable risk profiles.

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