STRUCTURED DEPOSITS
Stretch your investment with potentially higher returns
Combining deposit with an investment product, Structured Deposits let you earn potentially higher returns.
2 Years Interest Rate Linked Structured Deposit
The new OCBC Interest Rate Linked Structured Deposit gives you a fixed interest every 6 months until maturity, unless an Early Termination Event happens or if the deposit is early redeemed. The mechanics are shown in the table below:
- Mechanics
- Tranche
| Tranche | |||
| Mechanics | Tenor | 2 Years | |
| Interest Period (each period is 6 months) | 1st and 2nd period | 3.00% | |
| 3rd and 4th period | 3.05% | ||
Principal protected
The initial investment amount will be returned if the Structured Deposit is held to maturity and the bank remains solvent.
The initial investment amount will be returned if the Structured Deposit is held to maturity and the bank remains solvent.
Potentially higher returns
Enjoy potentially higher returns compared to traditional fixed deposits, especially in a low interest rate environment.
Enjoy 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.
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.
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.
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.
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.
Structured Deposits are not insured under the Deposit Insurance and Policy Owners' Protection Schemes Act of Singapore.
Structured Deposits can be purchased using cash or Supplementary Retirement Scheme (SRS).
Important notices
This advertisement has not been reviewed by the Monetary Authority of Singapore.
Information presented as at 25 July 2023.
Start investing in Structured Deposits today
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General disclaimer
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- This information is intended for general circulation and / or discussion purposes only. It does not consider the specific investment objectives, financial situation or needs of any particular person.
- 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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- Investments are subject to investment risks, including the possible loss of the principal amount invested. The information provided herein may contain 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, predictions or projections are not necessarily indicative of future or likely performance.
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Structured Deposits disclaimer
- Structured Deposits are not insured deposits for the purposes of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011 of Singapore.
- Unlike traditional deposits, Structured Deposits have an investment element and returns may vary. The initial investment amount of a Structured Deposit will be returned to you only if you hold it until the maturity date. Early withdrawal of Structured Deposits may result in you receiving significantly less than your initial investment amount. You further understand that you will bear any costs and charges associated with such early withdrawal of the Structured Deposits. OCBC Bank may have the right to terminate the Structured Deposits and return an amount in cash to you from the due settlement of the Structured Deposits before the maturity date. You may be exposed to inherent exchange rate risks and exchange controls when you place a Structured Deposit.
- You may wish to seek advice from a licensed or an exempt financial adviser 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 adviser, you should carefully consider whether this product is suitable for you.
- The proposed transaction(s) herein (if any) is/are subject to the final expression of the terms set forth in the definitive agreement(s) and/or confirmation(s).
- Any forecast on the economy, stock market, bond market and economic trends of the markets provided is not necessarily indicative of the future or likely performance of the Structured Deposit.
- Any past performance of the Structured Deposit, or that of its underlying financial instruments or assets provided to illustrate possible returns of such Structured Deposit, is not necessarily indicative of future performance of such Structured Deposit.