Structured Deposits

Limited time only: Up to 11.10% returns over 6 years

Eligibility

Minimum S$5,000

Find out more

Limited time only:
Up to 11.10% returns over 6 years

Eligibility

Minimum S$5,000

Find out more

What is a Structured Deposit?

It 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. Different Structured Deposit tranches may have different features. Please refer to the ‘Limited time only’ section below for more details.

The full principal amount of the investment will be returned to you if you hold your investment to maturity, and the bank remains solvent.

Key Characteristics

Benefits
Principal protected

The initial investment amount will be returned if the structured deposit is held to maturity and the bank remains solvent.

Potentially higher returns

Compared to traditional fixed deposits, especially in a low interest rate environment.

Payouts may be varied

In some cases, the interest payout may be linked to the performance of the underlying assets (e.g. equity, foreign exchange). If predetermined payout conditions are not met, you may not receive any interest payout for some or all interest payment periods.

Key risks
Early termination
 

After the predetermined period, the bank may terminate the product and return the initial investment amount and any interest earned in the period to you.

Withdrawal before maturity date

There may be substantial losses to your principal if you choose to end the investment early.

No deposit insurance
 

Structured deposits are not insured under the Deposit Insurance and Policy Owners’ Protection Schemes Act of Singapore.

Limited time only

OCBC 6-Year Stepped-Up Interest-Rate Linked Structured Deposit (SUS181217A)

The current tranche gives fixed interest semi-annual payouts. After Year 1, the bank may terminate the product and return your initial investment amount and any interest earned in the period to you.

Offer period

Subject to availability.
As this is a tranche product, it might be closed before the end date.

11 November – 17 December 2017

Deposit start date

18 December 2017

Tenor

6 years

Interest Payments

Semi-annual

Features

Period

Fixed Interest

Year 1

1.80% p.a.

Year 2

1.80% p.a.

Year 3

1.80% p.a.

Year 4

1.90% p.a.

Year 5

1.90% p.a.

Year 6

1.90% p.a.

Total

11.10%

How it works?

The below is for illustrative purpose only and does not represent the current Structured Deposit tranche. The actual semi-annual payments may differ slightly depending on how many days there are in the first and second half of the year.

Example:

Mr Tan buys a S$10,000 interest rate-linked Structured Deposit with a 6-year tenor that pays 1.60% for the first three years and 1.80% for the subsequent three years.

Best case scenario: Hold to maturity

Mr Tan receives S$80 in semi-annual interest payments for the first 3 years. This increases to S$90 for the last 3 years. At the end of year 6, he gets back the original S$10,000 principal amount.

1.60% semi-annual interest payments
for Year 0 to Year 3
START OF
INVESTMENT
Invested in
S$10,000
icon_invested
  Received S$80 icon_received_y03
END OF
YEAR 1
Received S$80 icon_received_y03
  Received S$80 icon_received_y03
END OF
YEAR 2
Received S$80 icon_received_y03
  Received S$80 icon_received_y03
END OF
YEAR 3
Received S$80 icon_received_y03
1.80% semi-annual interest payments
for Year 4 to Year 6
END OF
YEAR 3
   
  Received S$90 icon_received_y46
END OF
YEAR 4
Received S$90 icon_received_y46
  Received S$90 icon_received_y46
END OF
YEAR 5
Received S$90 icon_received_y46
  Received S$90 icon_received_y46
AT
MATURITY
Received S$90
+ S$10,000
principal amount
icon_received_end
Total interest earned = S$1,020 over 6 years

Worst case scenario: Early termination

Early termination can occur at any payment period after the end of year 1. For example, should early termination occur at the end of year 1, Mr Tan will receive his final interest payment of S$80 plus his original principal of S$10,000.

The total amount of interest he would have received over 1 year is S$160.

1.60% semi-annual interest payments
for Year 0 to Year 3
START OF
INVESTMENT
Invested in
S$10,000
icon_invested
  Received
S$80
icon_received_y03
END OF
YEAR 1
Received
S$80
+ S$10,000
principal amount
icon_received_premature
Early termination occurred at end of Year 1
Total interest earned = S$160 over 1 year

Ways to apply

icon_call

Call us at
+65 6363 3333