利用我们的产品来实现您的财务目标
投资产品
财资产品
享受一系列投资机会的潜在更高回报，以实现您的长期目标。请联系您的客户经理，让我们根据您的风险承受能力和投资组合为您规划最佳方案。
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股权挂钩可转换投资
股权挂钩可转换投资是一种短期风险资本、股权挂钩投资，让您有机会在投资到期时，以相对投资之日现行价格的折扣价格购买选定公司的股份。此投资可能收益率较高，但也承担相关股价市场变动风险。 -
结构性票据
结构性票据是一种衍生投资，其回报与相关资产或证券市场表现挂钩。常见相关资产包括市场指数、股票、利率、债券、共同基金和外汇汇率。 -
债券
债券有助于实现投资多样化，收益率高于银行存款。债券通常以年度或半年度定期利息支付提供稳定的被动收入。
投资债券的好处
债券可多样化您的投资组合，有助降低风险。您可以从债券投资中享受比传统银行储蓄账户潜在更高的收益，为您提供一个稳定的收入来源。
债券类型
债券类型包括政府债券、公司债券和超国家债券。每种债券类型内还有分子类别，包括但不限于：投资级债券、高收益债券、无评级债券、永久债券等等。
债券投资的注意事项
认清您的风险承受水平，因为息票支付和本金返还无法得到保证。经济变化以及其他因素可能影响发行人或债券。如果债券发行人未能履约支付，您可能损失全部或大部分投资。
债券价格与利率逆相关，由此利率越高，债券价格一般就越低；反之亦然。请考虑您所投资的债券的流动性。如果债券流动性不强，则可能需要一段时间才能在市场上出售，而您的投资期限可能因此与债券期限不匹配。 -
双重币回报
若您愿意承担两种货币之间的汇率风险，可通过该货币关联投资利用货币市场的动态，获得较高回报。
华侨银行理财账户
您的资产。 聚集一处。
将您投资组合的资产配置聚集于一个账户，轻松掌握财富动态。除此之外，利用再融资方案来重新投资我们的产品，从而优化您的财富。
重要信息
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重要备注
双币投资（Dual Currency Returns）
通过购买双币投资，您授予我们在将来以不同币种偿还您原始投资的权利，即使到时您可能不想以该币种进行偿还。双币投资受外汇影响，可能会影响您投资所得收益，您所得资金可能会少于原始投资金额。
- 您购买的双币投资所包含的外币可能会受到外汇管制。因此，我们可能会以其他货币偿还您的投资和利息。当其他货币兑换回基础货币（您原始投资所用货币）时，您收到的金额可能会少于原始投资金额。您可从有关的金融、监管或其他政府机构获得双币投资所包含的此类外币在外汇管制限制方面的信息（如有）。
- 我们不会在到期日前终止双币投资，但是您可以选择在到期日前提取原始投资金额。若您选择提前提取金额，请谨记，您须支付根据到期前剩余时间计算产生的费用、与行权价相关的当前市场状况变动所产生的费用、外汇及潜在的外币对的变动所产生的费用。这些费用可能意味着您获得的回报会远低于您的原始投资。若您选择提前提取双币投资中投资金额，请随时与您的客户经理联系以获取相关程序与费用的详细信息。
- 双币投资并不属于《新加坡存款保险和保单持有人保护计划法》下的保险存款。
全球股票投资免责声明
- 股息增长没有保证，您投资的公司也没有义务支付股息；
- 公司可能破产，导致原始投资失去价值；
- 股市价值可能下挫；
- 公司收益和金融市场可能会波动；
- 如果没有公认的股票市场，那么这些股票可能很难出售，也很难获得有关其价值的准确信息；
- 如果此类股票的市场流动性较小，且买入价和卖出价之间可能存在重大差异，则较小的公司投资可能难以卖出；
- 海外市场的股票可能涉及与新加坡发行股票不同的风险；
- 关于对海外公司的投资，汇率走势可能不利，从而对以基础货币计算的投资估值产生不利影响。
信托基金
- 每种基金的募集说明书副本可从基金经理或其认可的分销商处获得。潜在的投资者在决定认购或购买基金份额之前，应阅读该基金的募集说明书以了解详细信息。
- 基金份额及其收益（如有）的价值可能会上涨或下跌。请您从相关招股说明书中获得基金经理的姓名和基金投向的信息。
- 投资有风险，过往业绩的数据并不代表未来表现。
- 对公司、金融产品或资产类别的任何引用仅用于说明目的，不代表我们的建议。 对于在核准的证券交易所上市的证券投资基金，投资者不能通过基金经理赎回此类基金份额，或只可在特定条件下通过基金经理赎回相应份额。证券投资基金在核准证券交易所中上市并不代表其份额可在市场上流动。
- For funds that are listed on an approved exchange, investors cannot redeem their units of those funds with the manager, or may only redeem units with the manager under certain specified conditions. The listing of the units of those funds on any approved exchange does not guarantee a liquid market for the units.
- Any indicative distribution rate may not be achieved and is not an indication, forecast, or projection of the future performance of the Fund.
Precious Metals Account Important Notice
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- Before you make an investment, please seek advice from your Relationship Manager regarding the suitability of any investment product taking into account your specific investment objectives, financial situation or particular needs.
- If you choose not to do so, you should consider if the investment product is suitable for you, and conduct your own assessments and due diligence on the investment product.
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Graphs, charts, formulae and other devices
Investors should note that there are necessarily limitations and difficulties in using any graph, chart, formula or other device to determine whether or not, or if so, when to, make an investment.