When it comes to growing your savings, you’ll want to be sure you’re getting a clear advantage. Investing in OCBC Structured Deposit will let you enjoy potentially higher returns, diversification of your overall investment portfolio and the assurance that your full principal amount will be returned if you hold it until maturity date.

What is a Structured Deposit?

Generally, a Structured Deposit is a combination of a deposit and an investment product. The return on a Structured Deposit is usually dependent on the performance of an underlying financial instrument. At OCBC Bank, the minimum amount starts from S$5,000.

Suitability of a Structured Deposit

To help you decide whether a Structured Deposit is suitable for you, there’re two key factors which you should consider: returns and risks.

Returns

Structured Deposits enable you to participate in the performance of an underlying financial instrument (eg. equity, foreign exchange) without risking your principal.

You can potentially earn higher returns than normal Time Deposits as Structured Deposits take advantage of a particular view of the financial market. The returns are usually linked to reference instruments or assets.

Risks

Please note that your full principal amount would be returned to you only if the Structured Deposit is held to maturity. There will be partial loss to your principal if the Structured Deposit is withdrawn before maturity.

Even if you are repaid the full principal plus returns (if applicable) upon early termination of the Structured Deposit, you may still be exposed to re-investment risks. This is the risk of having to invest your money in a lower interest rate environment.

In some situations, you may not get any interest payout for some or all interest payment periods.

The table below is a simplified illustration of Structured Deposit versus Time Deposit and Unit Trust in terms of returns and risks. It also shows how Structured Deposit can diversify your investment portfolio in terms of returns and risks.

*If held to maturity date

**Based on OCBC Bank's prevailing interest rates. Early withdrawal is

   subject to a premature termination fee.

^General risk return relationship only. Please refer to the the relevant

  product materials for a more detailed description of the risk and return

  characteristics.

To get a clear advantage with Structured Deposit, visit any OCBC Branch, call 1800 438 6088 or log onto www.ocbc.com/wealth today.

Important Information

Unlike traditional deposits, Structured Deposit has an investment element and returns may vary. The initial investment amount of a Structured Deposit would be returned to you if you hold it until maturity date. Early withdrawal of a Structured Deposit may result in you receiving less than your initial investment amount. You further understand that you will bear any costs and charges associated with such a withdrawal of the Structured Deposit. OCBC Bank may have the right to terminate the Structured Deposit and return an amount in cash to you from the due settlement of the Structured Deposit before the maturity date. You may be exposed to inherent exchange rate risks and exchange control when you place a Structured Deposit.

Structured Deposits are not insured deposits for the purposes of the Deposit Insurance Act of Singapore.

The information provided herein is intended for general circulation and/or discussion purposes only. It does not take into account the specific investment objectives, financial situation of particular needs of any particular person. You may wish to seek advice for a licensed or an exempt financial advisor before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial advisor, you should carefully consider whether this product is suitable for you.

This does not constitute an offer or solicitation to buy or sell or subscribe for any security and financial instrument or to enter into a transaction or to participate in any particular trading or investment strategy. The proposed transaction(s) herein (if any) is/are the subject to the final expression of the terms set forth in definitive agreement(s) and/or confirmation(s).

No representation or warranty whatsoever (including without limitation on any representation or warranty as to accuracy, usefulness, adequacy, timeliness or completeness) in respect for any information (including without limitation any statement, figures, opinions, views or estimates) provided herein is given by OCBC Bank and should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that maybe apparent at the later time. All information presented is subject to change without notice. OCBC Bank shall not be responsible or held liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.

The information provided herein may contain certain projections or other forward looking statements regarding future events or future performance of countries, assets, markets or companies. Actual events or results may differ materially. Past performance figures are not necessarily indicative of future or likely performance. Any reference to any specific company, financial product or assets class in whatever way is used for illustrative purposes only and does not constitute a recommendation on the same.

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