Structured Investment - Past Series

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Overview

Structured Investments are synthetic investment instruments combining derivatives and financial instruments to create structures with risk/return profiles not otherwise achievable in the marketplace.

If you seek...

  • A capital-guaranteed investment
  • An alternative to a direct investment in the cash market
  • To reduce the risk exposure of your portfolio; or
  • To utilise the current market trend

Then you should consider Structured Investments as an investment vehicle.

UNITED OVERSEAS BANK'S STRUCTURED INVESTMENTS AT A GLANCE

Principal Guaranteed Series

Series launched to date:

  • Callable Range Accrual Investment (CRA),
  • Callable Ladder Inverse Floater Investment (LIFT),
  • Snowball Range Accrual (SRA).

 Salient features:

  • 3 to 10 years investment horizon, 
  • Linked to movements in interest rates or indices,
  • Payoff is predetermined,
  • Ideal for investors with a view that interest rates will either not move beyond the ranges or that any interest rate movements will be at a measured pace.

The various SILK Series has stepped up the diversity of investment opportunities by making available to our investors varied exposure to many asset classes such as:

  1. Commodities such as industrial metals, precious metals and energy,
  2. Foreign exchange,
  3. Global equity indices.

 Salient features:

  • Usually principal guaranteed,
  • 1 to 10 years investment horizon,
  • Linked to performance of various indices, commodities and baskets,
  • Unique and favorable one-of-a-kind payoff profile that caters to any market conditions,
  • Payoff is predetermined upfront,
  • Ideal for investors seeking exposure to the particular indices, commodities and baskets comprising several asset classes.
  • Principal guaranteed
  • 1 year, short term non-callable investment
  • Linked to the performance of an underlying currency pair
  • Single payment of principal and enhanced yield (if any) on maturity

Non-Principal Guaranteed Series

  • Returns linked to performance of a single stock;
  • Very short term non-callable investment - 1 and 3 months
  • Single payment of principal at maturity in either cash or underlying share; plus the enhanced yield;
  • Enhanced yield is received regardless of the movement in the price of the underlying share.
  • Returns linked to performance of a single currency pair
  • Very short term non-callable investment - 1 and 3 months
  • Single payment of principal plus enhanced yield in either the investment currency or linked currency at maturity
  • Enhanced yield is received regardless of the movement in exchange rates
WARNING

THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET / REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION.