Enhanced Yield Investment -structured investment products

Enhanced Yield Investment is a structured deposit product with floating returns. By linking to the performance of foreign exchange rates, this offers the potential to earn a higher return, as well as meet your foreign currency investment needs. This product is 100% capital protected at maturity.

The product is launched by HSBC Bank (China).

Key features

Flexible investment tenors

Choose a suitable investment tenor from one to 12 months, whichever suits your needs best.
Wide selection of currencies

You can choose one investment currency and one linked currency. Participating currencies include USD, HKD, AUD, CAD, EUR, GBP, JPY, CHF, NZD, and SGD.
100% principal protected at maturity

Enhanced Yield Investment is a structured deposit product with 100% capital protected at maturity.

No early redemption is allowed for this structured deposit product.
Structured deposit is not equal to normal deposit. Please be aware of the risks associated with the product and make prudent investment decisions.

By phone

Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan

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1.Suitability

Enhanced Yield Investment – Structured Deposit Product - Product Risk Level: 1 (Low)

An Enhanced Yield Investment – Structured Deposit Product is likely to be suitable for you if satisfy the following conditions:

the investor’s risk tolerance level is “Cautious” or above;
the investor has the relevant knowledge and/or experience of structured investment product; and
the investor agrees to take related terms and investment risks of this investment product.

2.How the product works and Fee

How the product works

Choose an investment tenor from one month to one year to meet your needs
Choose an investment currency from USD, HKD, AUD, CAD, EUR, GBP, JPY, SGD, CHF, and NZD
Choose a linked FX rate. Your investment currency should be chosen from the base or target currency
Choose either Call or Put on the Underlying Currency Pair and the preferred Trigger-Out Rate on the Trade Date based on prevailing currency market conditions and your views on the currency market
The bank observes the market rate at Fixing Time on Fixing Date (the Fixing Rate):
If the investment hits strike rate, you will receive 100% of your principal and investment return, paid in the investment currency at maturity
If the investment does not hit strike rate, your will receive 100% of your principal, paid in the investment currency at maturity

3.More Information

Historical EYI code inquiry (Chinese only, PDF, 55KB)

You can also find detailed Historical product information on "China Wealth" website.

DCI/EYI Historical Fixing Rate New window

The historical fixing rate will be updated biweekly, and this information is only for a reference and does not represent recommendation from HSBC for customer to buy or sell based on the information provided. Customer should not rely on the information expressed in this document solely to make investment decisions.

Fee

It depends on the stipulation of the product contract.

4.More products and services

Dual Currency Investment New window

A Dual Currency Investment is a structured deposit product. By linking to the performance of foreign exchange rates, it offers the opportunities to earn a potential return, as well as meet your foreign currency investment needs. This structured deposit product is a non-capital protected investment product with floating returns.

Foreign Exchange New window

We offer range of services to meet your foreign exchange needs in a faster and more convenient way.

Structured Products New window

HSBC Structured Deposits are usually linked to financial assets such as equities, indices, foreign exchange rates or securities. The potential return of structured deposit products is determined by the performance of the linked financial assets, product portofolio and detailed terms and conditions. Please note that the potential return of the Structured deposit is not a 100% reflecton of the actual performance of the underlying assets.

Product selection is designed to meet your investment goals and risk appetite, providing you with opportunities to earn potential returns and enhance your wealth potential.

Overseas Investment Plan - QDII Offshore Fund New window

An Overseas Investment Plan lets you invest in a diversified selection of funds and bonds, managed by a team of leading fund managers. We help domestic investors take advantage of global market opportunities, allowing you to diversify your risks and expand your global asset allocation.

5.HSBC Insights

In today’s fast-paced financial world, the only way to stay ahead is to be on top of current market events. Tap into our unique market insights and investment analysis to stay informed about the latest trends and regional news with just a few clicks.

More market insights New window

How to invest

Find your nearest branch

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Visit any of our HSBC branches with your valid ID card to register for this sercice.

Opening hours: Monday-Friday, 9:30am-4:00pm (some branches may provide limited weekend service)

Make an appointment

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By phone

For general inquiry (RBWM only)

400-820-3090

_{Please dial the country code of mainland China +86 if you are calling from overseas, Hong Kong SAR, Macau SAR, or Taiwan}

Frequently asked questions

HSBC Structured Investment products are usually linked to financial assets such as equities, indices, foreign exchange rates or securities. The potential return of Structured Investment products is determined by performance of the linked financial assets, product portofolio and detailed terms and conditions. Please note that the potential return of the Structured Investments is not a 100% reflection of the actual performance of the underlying assets. We offer structured products related to Foreign Currency Investment in the following two types: Dual Currency Investment (DCI), and Enhanced Yield Investment Product (EYI), which is 100% capital protected at maturity. We will also release other Foreign Currency Investment Products from time to time for customers to chose based on different risk preferences.

Major risks of Foreign Currency Investment Products include:

Return and Principal Risk: Unlike deposits, Foreign Currency Investment has an investment element. The actual return on Foreign Currency Investmetn is not guaranteed and the investment is not principal protected, so you may suffer a loss in the principal.
Market Risk: Many factors can affect the level of the relevant exchange rates, including the political and economic environment, business conditions, investor sentiment and confidence. All of these factors may have an effect on the local and/or global markets.
Foreign Exchange Risk: You will be subject to fluctuations in the relevant exchange rate, which could affect the amount of the foreign exchange linked coupon payable on this product, either negatively or positively.
Credit Risk: This structured product may involve credit risk of the Product Provider which may affect the ability to meet its payment obligations set out in the agreed terms.
Inflation Risk: You need to consider and recognise that inflation during the tenor of this product may affect the real value of your proceeds.
Concentration Risk: You need to consider whether to diversify your investment and allocate funds across different products to avoid risk due to investment concentration.
Liquidity Risk: You may not be able to liquidate or early redeem all or part of this investment as and when you need to or at an amount equal to or more than the principal amount. In addition, you cannot transfer all or part of the investment.
Tax risk: If any applicable tax law and/or regulation (including interpretation thereof) is/are promulgated or amended in China and/or other territory(ies) and the result thereof is that the payment under this product shall be subject to tax, such tax shall be borne by the customer.

Read all FAQs New window

There is no contractual value in this page and the information above is not and should not be regarded as an offer to sell or a solicitation for an offer to buy any financial product, and should not be considered as investment advice.

The above information is only a brief introduction of the product(s). If you are interested to know more about this product, please contact the Bank and carefully read the product description pack. In the event of any discrepancy, the terms and conditions associated with each product shall prevail.

Wealth management is not equal to deposit. Please be aware of the risks associated with the product and make prudent investment decisions. In the worst scenario, the return of the Enhanced Yield Investment may be zero and you could only get your investment capital back.

Enahnced Yield Investment is designed to be a capital protected investment product with floating return involving investment risks. Only the investment capital will be protected at maturity, while no investment return will be guaranteed. You should fully understand the investment risk and act prudently in making the investment decision.

Return and Principal Risk: You must recognise the possibility of loss caused by exchange rate fluctuation. Such loss may offset the investment return earned on the investment and may even result in losses in the principal amount of the investment. If you choose Dual Currency Investment (Basic Type), under circumstance of extreme exchange rate fluctuation, the loss may even be the whole principal. If you choose Dual Currency Investment (Partial Capital Protected at Maturity Type), under circumstance of extreme exchange rate fluctuation, you may have no investment return and be paid only 80% principal (i.e. lose 20% the principal invested).
No Early Redemption by Investors: You are not allowed to redeem all or part of the Dual Currency Investment prior to maturity (inclusive). Please ensure you have made adequate provision for emergency cash needs.
Foreign Exchange Risk: If the investment currency or the linked currency is not your base currency, and you choose to convert the investment proceeds back to your base currency at maturity, your returns could be affected negatively or positively due to exchange fluctuations. If you have to exchange from other currencies into the investment currency for the purpose of wealth management, there is also foreign exchange risk in this as well.

For further risk information please refer to Product Subscriptino Pack.

Enhanced Yield Investment – Structured Deposit Product

Key features

By phone

HSBC Premier customers

HSBC Advance customers

Other customers

Branch Service

Contact us

Find more about

1.Suitability

2.How the product works and Fee

How the product works

3.More Information

Fee

4.More products and services

5.HSBC Insights

How to invest

Find your nearest branch

Make an appointment

By phone

For general inquiry (RBWM only)

Frequently asked questions

What are Structured Investment Products?

What are the potential risks of Foreign Currency Investment Products?

Risk Disclosure and Disclaimer