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Structured Investment Deposit
What is a Structured Investment Deposit?
A Structured Investment Deposit is linked with various underlying investment options to provide enhanced return potential.
Types of Structured Investment Deposits:
Currency Linked Structured Investment Deposit:
Currency Linked III
- 100% capital protection at maturity
- Available in major world currencies, with tenors from 3 to 14 months
- Minimum return comparable to time deposit rates with upside potential
- Or no minimum return with much higher upside potential
- Minimum investment amount of HKD 50,000, or equivalent
Currency Linked IV
- 100% capital protection at maturity
- Available in major world currencies, with tenor range from 3 to 12 months
- Potential enhanced return depends on the number of days that the market exchange rate of the chosen currency pair stays within the pre-set target in the observation period
- Minimum deposit amount is just HK$100,000 equivalent
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Important Notice : Updated Product Risk Rating
To keep you updated on the recent risk rating changes of Structured Products. Click here for details
Risk disclosure:
The return in relation to a deposit will depend market conditions prevailing at the relevant fixing time(s) during or in respect of the relevant deposit period. The level of the underlying asset may go up or down during such period and this will affect the return. The return may be less than would have been payable on a normal time deposit for the same period.
Structured Investment Deposit is a structured product involving derivatives. The investment decision is yours but you should not invest in Structured Investment Deposit unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.
Structured Investment Deposit is NOT equivalent to a time deposit. It(except for Callable Fixed Deposit) is not a protected deposit and is not protected by the Deposit Protection Scheme in Hong Kong.
Issuer's Risk - you rely on HSBC's creditworthiness. The product is subject to both the actual and perceived measures of the credit worthiness of the Bank and there is no assurance of protection against a default by the Bank in respect of its payment obligations.
In the worst case scenario (e.g. insolvency of issuer), the investor may get nothing back and the potential maximum loss could be 100% of investment amount and no coupon received.
