Premium Investments

At a Glance

This is a non-principal protected dual currency Structured Investment Product (Risk Level P3), giving you the opportunity to earn a potentially enhanced yield based on your view of the movements of the exchange rate in the future, and the risk under-taken. Structured Deposit is different from ordinary deposits and has investment risks. Wider variety of payoff such as Knock-In and Knock-Out Premium Investments are now available for your considerations.

Benefits

• Product variances: Apart from Basic Premium Investment (PI), a wider suite of payoff such as Knock-In and Knock-Out Premium Investment are now available in DBS.
• Flexible parameter setting customizes to set currency pairs, strike rate, Knock Out rate, Knock In rate and tenor
• Tailor Made service: As a Treasures customer, you will receive foreign exchange market insights from our Treasury specialists.
• Premium Investments are subject to foreign exchange fluctuations, which may affect the return of your investment. Exchange controls may also be applicable to the currencies your investment is linked to. You may incur a loss on your principal sum in comparison with the base amount initially invested.

Product Series

• Basic Premium Investment
  If the Alternate Currency appreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will pay the Principal Amount and Return Amount in the Base Currency on Maturity Date. If the Alternate Currency depreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will almost certainly pay the Principal Amount and Return Amount in the Alternate Currency on Maturity Date. The result is that the Customer will have the weaker Alternate Currency and the currency depreciation relative to the Base Currency, will and could substantially (depending on the extent of the Alternate Currency decline) reduce the Principal Amount if converted back to the Base Currency. In the worst-case scenario, a substantial decline in the Alternate Currency relative to the Base Currency could result in a total loss of the Principal Amount and Return Amount.

• Knock Out Premium Investment
  If a Knock-Out Event occurs during the Monitoring Period, the Bank will pay the Principal Amount and Return Amount in the Base Currency on Maturity Date. If the Knock-Out Event never occurs during the Monitoring Period and the Alternate Currency appreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will pay the Principal Amount and Return Amount in the Base Currency on Maturity Date. If the Alternate Currency depreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will almost certainly pay the Principal Amount and Return Amount in the Alternate Currency on Maturity Date. The result is that the Customer will have the weaker Alternate Currency and the currency depreciation relative to the Base Currency, will and could substantially (depending on the extent of the Alternate Currency decline) reduce the Principal Amount if converted back to the Base Currency. In the worst-case scenario, a substantial decline in the Alternate Currency relative to the Base Currency could result in a total loss of the Principal Amount and Return Amount.

• Knock In Premium Investment
  If the Knock In Event never occurs during the Monitoring Period, the Bank will pay the Principal Amount and Return Amount in the Base Currency on Maturity Date. If the Knock In Event occurs during the Monitoring Period and the Alternate Currency appreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will pay the Principal Amount and Return Amount in the Base Currency on Maturity Date. If the Alternate Currency depreciates against the Base Currency compared to the Pre-Agreed Exchange Rate on Fixing Date, the Bank will almost certainly pay the Principal Amount and Return Amount in the Alternate Currency on Maturity Date. The result is that the Customer will have the weaker Alternate Currency and the currency depreciation relative to the Base Currency will and could substantially (depending on the extent of the Alternate Currency decline) reduce the Principal Amount if converted back to the Base Currency. In the worst-case scenario, a substantial decline in the Alternate Currency relative to the Base Currency could result in a total loss of the Principal Amount and Return Amount.

Risk Disclosure

The Premium Investment is a Structured Deposit (Risk Level P3) and the Customer may suffer a loss of the Principal Amount due to foreign exchange fluctuations. The Customer should fully understand the investment risks involved and be cautious in making any investment. You should carefully read the related product documents, such as , < PREMIUM INVESTMENT (PI) Terms and Conditions >, < DBS Premium Investment (PI) Risk Disclosure Statement> etc. for further details.

How to Apply

Useful Links

• Consumer Banking Tariff
• Risk Warnings And Individual Investors Requirements
• Premium Investment Notice
• Non-Matured list of Outstanding Premium Investments

Structured Deposit is different from ordinary deposits and has investment risks, and customers should carefully consider whether a Premium Investment is suitable for you in light of your investment objective, financial means and your risk profile.