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Structured investment is a form of investment that can potentially bring about higher returns, compared to other investment products, like fixed deposits. Although it promises higher returns, it also comes with higher risks.

Structured investments are often linked to the performance of various underlying assets such as interest rates, foreign exchange, equities, fixed income instruments or market indices.
 
 
 
 
   
 
They are fixed term investments
  A structured investment has a maturity period depending on the features
of the products. If redeemed before maturity, your investments may lose
part of the returns and/or principal.
   
They can either be principal protected or non-principal protected.
  The level of risks involved in non-principal protected structured investments
are higher compared to principal protected structured investments. There is
no guarantee on the amount of money you will receive on non-principal
protected structured investments even if you hold them to maturity.
 
 
The returns on structured investments vary, are usually not guaranteed and are dependent on the performance of the underlying assets during the investment period. You may face losses if the performance of the underlying assets differs from what you have anticipated. The returns on certain structured investments may also be affected in movements in foreign exchange.

Non-principal protected structured investments usually give higher returns compared to principal protected investments. This is mainly because of the higher risks involved in the investment.

Structured investments can be used for income growth purposes. However, as in any investment, there are potential risks involved. As a savvy investor, if you are considering to invest in high-risk investments such as structured investments, you should have an asset portfolio that includes low risks assets such as fixed deposits.
 
 
 
As the name suggests, dual currency investment (DCIs) is a form of structured investment dealing with foreign exchange risks where your investments will be made in one currency (called 'base currency').

At maturity, you will either be paid in the base currency or in another currency (called 'alternative currency'). As an investor, you can choose both the base currency and alternative currency.

However, remember that if the banking institution pays you in the alternative currency, you could experience a loss on your principal when you convert it back to the base currency if the foreign exchange rates did not move in the direction you anticipated.
 
 
 
 
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For further explanation on these investments, download our Info Guide for more detailed information.