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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.
 
 
 
 
Type
Fixed Deposit
Structured Investments
Minimum amount
required
 
Return: Fixed interest
rate
 
Potential enhanced return/interest (performance pay-off)
 
Full principal sum
payable on
 
i. Maturity
 
ii. Early withdrawal
 
iii. Early redemption by
bank
 
Risks involved
 
Protection by Malaysia Deposit Insurance Corporation
 
 
RM500
 
Yes
 
No
 
Yes
 
Yes
 
Not Applicable
 
Relatively
risk-free
 
Yes
Floating rate negotiable instruments of deposits: RM100,000
Investments linked to derivatives:RM250,000
 
(Only applicable for investments with a minimum interest feature)
 
Yes
 
(Applicable for principal protected investments only)
 
Investors may lose part of their return and/or principal. The amount to be paid to investors depends on the market value of the underlying assets.
 
Yes
 
Return can be affected by various types of risk such as interest rate risk, market risk foreign currency risk, and early termination risk.
No
 
 
 
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here
For further explanation on these investments, download our Info Guide for more detailed information.