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 incur losses if the performance of the underlying assets differs from what you have anticipated.
The returns on certain structured investments may also be subjected to foreign exchange risks.
Non-principal protected structured investments usually give higher returns compared to principal protected investments, due to the higher risks involved.
You can use structured investments for income or growth purposes. However, in view of the potential risks involved, you should ensure that structured investments are part of your portfolio of investments/assets which also include low risks assets such as fixed deposits.
Reprinted with permission from BankingInfo (A Consumer Education Programme by Bank Negara Malaysia)
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