Investments - Premium Equity Linked Investment - Standard Chartered Bank Malaysia Berhad

Here's an opportunity for you to capitalise on stock movements* with potentially enhanced yield. At the start of the investment, just select a stock at a pre-agreed stock purchase price or strike.

On maturity, we'll either return the initial investment with an enhanced yield if the stock price is higher than the strike, or the selected stocks if the price on maturity is lower than the strike.

Your benefits

•	A short-term investment tool, with 1 month to 6 months' tenors
•	Achieve yield which is linked to stock movements
•	If the Premium ELI is converted into stocks, you will receive the number of stocks based on the agreed Strike Price
•	Choice of stocks* to suit your investment view, risk appetite and return requirement

* The underlying stocks currently available are those traded in the Singapore and Hong Kong Stock Exchanges. However, stocks traded in other stock exchanges may also be available. Please call us today to find out more.

Why you should consider this investment:

Enjoy higher yields compared to traditional fixed deposits

•	You stand to gain potentially higher yields compared to a conventional fixed deposit

Earn additional yields with your equity exposure

•	Enjoy additional yields whilst accumulating stocks which you had selected

Flexibility in determining your desired Strike Price

•	If the Premium ELI is converted into stocks, you will receive the number of stocks based on the agreed Strike Price

You want control over your investments

•	Choice of tenor Take advantage of tenors from as short as 1 month to 6 months.
•	Choice of stock markets You decide on stocks which suit your equity investment views from our range of available stocks.
•	Choice of investment amount Your investment amount can be as small as SGD50,000 or HKD250,000¹,² The minimum investment amount is SGD or HKD equivalent of RM250,000. However, for individuals with net personal assets exceeding RM3 million or its equivalent in foreign currencies or non-individuals with net assets exceeding RM10 million or its equivalent in foreign currencies, an investment amount of SGD50,000 or HKD250,000 ² can be accepted.

1	Stocks traded in other stock exchanges may also be available. Please call us today to find out more.
2	Foreign currencies required / applicable for the Premium Equity Linked Investments will be as per the currency requirements of the respective stock exchanges which the underlying stocks are listed.

How does Premium ELI work?

Below is an illustration only and actual values may vary.

3	The determination of Fixing Day applicable for the Premium Equity Linked Investments will be as per the requirements of the respective stock exchanges which the underlying stocks are listed.
4	The determination of number of stocks per trading lot applicable for the Premium Equity Linked Investments will be as per the requirements of the respective stock exchanges which the underlying stocks are listed.
Disclaimer: The transaction details above are only indicative of a Premium Equity Linked Investment made in SGD referencing to the stocks of Singapore Telecom Limited and is purely for illustration purposes only. The correlation between the Spot Price and the Strike Price, which determines the redemption amount and the delivery of stocks at maturity, may differ from the indicative transaction details above depending on the investment amount, tenor and Strike Price. (Not insured by PIDM)

What are your available options if you are repaid in stocks?

•	You can hold on to the stocks and wait for them to appreciate in value and enjoy additional dividend yields (if any)

Like more information? Learn more through the Frequently Asked Questions.

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.

Premium Equity Linked Investment is not a deposit but an investment product. Unlike a traditional deposit, Premium Equity Linked Investment has an investment element and returns may vary. The returns on Premium Equity Linked Investment will be dependent, to at least some extent, on stock prices and on movements in specified currency exchange rates. A wide range of factors may affect the price of stocks. Investments in stocks are subject to price fluctuations, which may provide both opportunities and risks.

Investing in Premium Equity Linked Investments and in stocks is subject to investment risks. In particular, your principal is at risk. The value of your investment may fall as well as rise. Past performance is not necessarily indicative of future or likely performance.

This document is for information only and does not constitute investment advice or a recommendation. It has been prepared without regard to the specific investment objectives, financial situation or particular needs of any particular person.

Premium Equity Linked Investment involves an option exercisable by the financial institution, which confers on the financial institution the right to repay the proceeds of the investment at maturity in either cash or alternative instrument, which can then be converted into the stock of your choice. You should consider carefully whether any stock investment is suitable for you, in view of your investment objectives, financial means and risk profile. Investments in stock are not subject to the provisions of Malaysia Deposit Insurance Corporation Act 2005 nor eligible for deposit insurance coverage under the deposit insurance scheme.

Premium Equity Linked Investment is not insured by Malaysia Deposit Insurance Corporation.