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Enjoy potentially higher returns on a host of investment opportunities to meet your long-term goals. Contact your Relationship Manager to discover the best solutions for you, based on your risk appetite and portfolio.
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Equity-linked convertible investments
An equity-linked convertible investment is a short-term capital-at-risk equity-linked investment that gives you the opportunity to purchase shares of a selected company at a discounted price when the investment matures, relative to the price prevailing on the day of the investment. This investment potentially pays higher yields but carries the risk of market movements of the underlying share price. -
Structured notes
A structured note is a derivative investment whose return is linked to the market performance of its underlying assets or securities. The common underlying asset may include market indices, equities, interest rates, bonds, mutual funds, and foreign currency exchange rates. -
Bonds
Bonds offer the opportunity to diversify your investments and earn better yields than bank deposits. They offer a steady stream of passive income from periodic interest payments, typically on a semi-annual basis.
Benefits of investing in bonds
Bonds add a layer of diversification to your portfolio, allowing you to reduce your portfolio risk. You can expect to receive a potentially higher yield as compared to a traditional savings account as you generate a predictable source of income from your bond investments.
Type of bonds
Types of bonds include government bonds, corporate bonds and supranational bonds. Within each type are further sub-categories including, but not limited to: investment grade bonds, high yield bonds, unrated bonds, perpetuals and more.
Cosiderations when investing in bonds
Be aware of your risk tolerance level, as coupon payments and the return of principal amounts are not guaranteed. Economic changes and other external factors may affect the bond or its issuers and you may lose all or a substantial part of your investment if a bond issuer defaults on payments.
Bond prices have an inverse relationship with interest rates, whereby higher interest rates typically result in lower bond prices and vice versa. Do consider the liquidity of bonds that you invest in. If a bond is not as liquid, it may take a while to be sold in the market where your investment horizon may not match the bond tenor. -
Dual currency returns
Such currency-linked investments let you capitalise on movements in currency markets for higher returns, if you are willing to take a risk on the exchange rate between two currencies.
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Important Information
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Important notices
Investment Products Important Notice
Precious Metals Account Important Notice
OCBC Bank’s cross border marketing disclaimers relevant for your country of residence
Dual Currency Returns
By buying Dual Currency Returns, you are giving us the right to repay you at a future date in a different currency from the currency in which you made your original investment, even if you would prefer not to be paid in this currency at that time. Dual Currency Returns are affected by foreign exchange rates, which may affect how much you get back from your investment. You may receive less than you originally invested.
- Foreign exchange control restrictions may apply to the foreign currencies linked to your Dual Currency Returns. As a result, we may repay your investment and interest in a different currency. You may receive less than you originally invested when the amount of this different currency is converted back to the base currency (the currency you originally invested). You may be able to get information on foreign exchange control restrictions, if any, for each foreign currency offered in relation to Dual Currency Returns, from the relevant monetary, regulatory or other governmental authorities for that currency.
- We will not end Dual Currency Returns before the maturity date (the date they are due to end). You may, however, withdraw the amount you originally invested before the maturity date. If you do this, please remember that you will have to pay any charges that apply which are calculated based on the amount of the time remaining before maturity date, as well as current market conditions relating to strike prices, foreign exchange rates and changes in the underlying foreign exchange pair. These charges may mean that you get back much less than you originally invested. Please feel free to approach your relationship manager for details of the procedures and charges that apply if you withdraw your Dual Currency Returns investment before the maturity date.
- Dual Currency Returns are not insured deposits for the purposes of the Deposit Insurance and Policy Owners’ Protection Schemes Act 2011.
Global Equities
- Dividend growth is not guaranteed, nor are companies in which you invest obliged to pay dividends;
- Companies may go bankrupt rendering the original investment valueless;
- Equity markets may decline in value;
- Corporate earnings and financial markets may be volatile;
- If there is no recognised market for equities, then these may be difficult to sell and accurate information about their value may be hard to obtain;
- Smaller company investments may be difficult to sell if there is little liquidity in the market for such equities and there may be substantial differences between the buying price and the selling price;
- Equities on overseas markets may involve different risks to equities issued in Singapore;
- With regards to investments in overseas companies, foreign exchange rates may move in an unfavourable direction affecting adversely the valuation of investments in base currency terms.
Collective Investment Schemes
- A copy of the prospectus of each fund is available and may be obtained from the fund manager or any of its approved distributors. Potential investors should read the prospectus for details on the relevant fund before deciding whether to subscribe for, or purchase units in the fund.
- The value of the units in the funds and the income accruing to the units, if any, may fall or rise. Please refer to the prospectus of the relevant fund for the name of the fund manager and the investment objectives of the fund.
- Investment involves risks. Past performance figures do not reflect future performance.
- Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.
- 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
- Any opinions or views of third parties expressed in this document are those of the third parties identified, and do not represent views of Oversea-Chinese Banking Corporation Limited (“OCBC Bank”, “us”, “we” or “our”).
- 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.
- We are not making an offer, solicit to buy or sell or subscribe for any security or financial instrument, enter into any transaction or participate in any trading or investment strategy with you through this document. Nothing in this document shall be deemed as an offer or solicitation to buy or sell or subscribe for any security or financial instrument or to enter into any transaction or to participate in any particular trading or investment strategy.
- No representation or warranty whatsoever in respect of any information provided herein is given by OCBC Bank and it should not be relied upon as such. OCBC Bank does not undertake an obligation to update the information or to correct any inaccuracy that may become apparent at a later time. All information presented is subject to change without notice.
- OCBC Bank shall not be responsible or liable for any loss or damage whatsoever arising directly or indirectly howsoever in connection with or as a result of any person acting on any information provided herein.
- 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.
- Any reference to a company, financial product or asset class is used for illustrative purposes and does not represent our recommendation in any way.
- The information in and contents of this document may not be reproduced or disseminated in whole or in part without the Bank’s written consent.
- OCBC Bank, its related companies, and their respective directors and/or employees (collectively “Related Persons”) may, or might have in the future, interests in the investment products or the issuers mentioned herein. Such interests include effecting transactions in such investment products, and providing broking, investment banking and other financial services to such issuers. OCBC Bank and its Related Persons may also be related to, and receive fees from, providers of such investment products.
- You must read the Offer Document/Indicative Term Sheet/Product Highlight Sheet before deciding whether or not to purchase the investment product, copies of which may be obtained from your relationship manager.
- Any hyperlink to any third party article, or other website or webpage (including any websites or webpages owned, operated and maintained by third parties) is for informational purposes only and for your convenience only and is not an endorsement or verification of any such article, website or webpage by OCBC Bank and should only be accessed at your own risk. OCBC Bank does not review the contents of any such articles, website or webpage, and shall not be liable to any person for the same.
- There are links or hyperlinks which link you to websites of other third parties (the “Third Parties”). OCBC Bank hereby disclaims liability for any information.
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.