Investment portfolio management

OCBC has a comprehensive suite of products, tailored according to investment goals and risk profile, to help customer grow the investment portfolio, enhance returns and diversify risks.

Financial Needs Analysis

We endeavour to understand your investment goals beginning with a fact-finding process and analysis of your requirements. This helps us better meet and serve needs.

Simply complete our Financial Needs Analysis with the code provided to you by your Relationship Manager.

Bonds or fixed income and credit derivatives

Fixed income products are instruments with periodic payouts until maturity. These include:

  • Government bonds
  • Corporate bonds
  • Preference shares or perpetual bonds
  • Credit-linked notes which pay fixed or floating interest on a regular basis
  • Cash-settled credit default swaps

Structured deposits

Structured deposits allows potentially higher returns compared to fixed deposits. You will receive full principal amount if the structured deposit is held till maturity and the bank remains solvent. These products  typically linked to underlying financial instruments and hence give you an opportunity to diversify portfolio risk into different asset classes / markets such as foreign exchange, money market, equities, commodities and credits.

With no upfront fees or annual management fees and your choice of investment term, this is an attractive investment opportunity for investors with low to medium risk appetite looking for enhanced yield.

Structured investments

Structured investments enables potential higher returns compared to fixed deposits. The structured investments are typically linked to underlying financial instruments (e.g. foreign exchange, equity or bond) and, depending on its performance, the principal investment can be returned to you in another asset class (e.g. equity). With no upfront fees or annual management fees to worry about, this offers an attractive investment opportunity for customers with medium to high risk appetite looking for enhanced yield.

View Structured Products Terms and Conditions

Dual Currency Returns

This structured investment is linked to pre-agreed currency pair. Depending on the currency movement, the principal and guaranteed enhanced yield can be returned in either the original investment currency or the alternate currency, at the pre-agreed strike price at maturity. The latter occurs when the alternate currency weakens against the investment currency beyond the pre-agreed strike price.

Bond-linked convertible investment

This structured investment is linked to a pre-agreed bond. Depending on the closing price of the bond at maturity, the principal and the guaranteed enhanced yield can be returned either in cash or in units of the pre-agreed bond. The latter occurs when the bond price at maturity is lower than the pre-agreed strike price.

Credit-linked note

This structured investment is linked to the performance of a reference credit (example, a corporate bond). As long as the underlying referenced credit does not default in any of its obligations, this credit-linked note will pay regular interest, which is higher than fixed deposit rates.

Equity-linked convertible investment

This structured investment is linked to a pre-agreed stock / equity. Depending on the closing price of the stock / equity at maturity, the principal and guaranteed enhanced yield can be returned either in cash or in units of the pre-agreed stock / equity. The latter occurs when the stock price on maturity is lower than the pre-agreed strike price.

Equities

To increase upside or hedge downside risks of equity portfolio, we offer either physical stock unit settlements or cash-settled solutions to help manage exposure in stocks or stock indices.

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