Dual Currency Investment

Disclaimer: There are limits for investments into foreign currency assets for resident individuals with Domestic Ringgit Borrowing under Bank Negara Malaysia’s Foreign Exchange Policy (FEP). To learn more about the FEP and how it may affect you, please refer to our FEP guide.

Choose the available base currency and linked currency pairing.

Participating currencies:

• MYR (Malaysia)
• USD (United States)
• AUD (Australia)
• EUR (European Union)
• GBP (United Kingdom)
• JPY (Japan)
• NZD (New Zealand)
• SGD (Singapore)
• HKD (Hong Kong)
• CAD (Canadian Dollar)
• XAU (International currency of Gold)
• RMB (Renminbi)

Select tenor and conversion rate.

Tenor: 1 week, 2 weeks, 1 month, 2 months, or 3 months.

Decide on your investment amount. Minimum Fifty Thousand Ringgit (MYR50,000)² or its equivalent in foreign currency.

Upon maturity, if the base currency:

• Weakens – investment amount and investment returns will be paid in the base currency.
• Strengthens – investment amount and investment returns will be converted to and paid in the linked currency.

Speak to your Relationship Manager or walk into any HSBC Branch.

¹Based on XAU (Base Currency) to USD (Linked Currency) on 03 March 2025. Past performance is not necessarily indicative of future performance and this return is not guaranteed as it is subjected to the currency movements.

²This investment is only applicable to sophisticated investors who meet at least ONE of the following criteria/ categories: 

• Investor’s total net personal assets exceed Three Million Ringgit (MYR3,000,000) or its equivalent in foreign currencies, where the net value of the primary residence of the investor contribute not more than One Million Ringgit (MYR 1,000,000) to the total net assets; OR
• Investor’s combined net joint assets with his/her spouse or child, exceeds Three Million Ringgit (MYR 3,000,000) or its equivalent in foreign currencies, where the net value of the primary residence of the investor with his/her spouse or child contribute not more than One Million Ringgit (MYR 1,000,000) to the total net assets; OR
• Investor’s gross annual income for the past 12 months exceeds Three Hundred Thousand Ringgit (MYR 300,000) or its equivalent in foreign currencies; OR
• Investor's combined gross annual income with his/her spouse or child for the past 12 months exceeds Four Hundred Thousand Ringgit (MYR 400,000) or its equivalent in foreign currencies;
• Investor’s net personal investment portfolio or total net joint investment portfolio with his/her spouse or child, in any capital market products, exceeds One Million Ringgit (MYR 1,000,000) or its equivalent in foreign currencies; OR
• Investor holds a Bachelor’s or Master’s degree related to Finance, Economics, Actuarial Science or Accounting, and has five consecutive years of relevant working experience in these areas; OR
• Investor holds a Master of Business Administration and has five consecutive years of relevant working experience in Finance, Economics, Actuarial Science or Accounting; OR
• Investor holds a membership in at least one of the associations set out below:

- Active Member of Chartered Financial Analyst (CFA) Institute; or

- Chartered Banker of Asian Institute of Chartered Bankers (AICB); or

- Ordinary Member of Financial Markets Association Malaysia (FMAM); or

- Chartered Accountant, C.A(M) of Malaysian Institute of Accountants (MIA); or

- Ordinary Member of Malaysia Association of Tax Accountants (MATA); or

- Accredited Angel Investor of Malaysian Business Angel Network (MBAN); or

- Certified Member of Financial Planning Association of Malaysia (FPAM); or

- Ordinary Member of Malaysian Financial Planning Council (MFPC); or

• Investor has five consecutive years of working experience in a capital market intermediary relating to product development, corporate finance, deal advisory, investment management, sales and trading, investment research and advisory, financial analysis, or the provision of training in investment products; OR
• Investor is a chief executive officer or a director of any person referred to in subparagraphs (iii), (iv), (v), (v) and (vii) of paragraph 5.01 (a) of the Securities Commission Guidelines on Categories of Sophisticated Investors.

THIS IS NOT A PRINCIPAL PROTECTED INVESTMENT, AND DEPENDING ON THE PERFORMANCE OF THE UNDERLYING, INVESTORS MAY AT MATURITY RECEIVE AN AMOUNT LESS THAN THE PRINCIPAL AMOUNT INVESTED.

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. THIS STRUCTURED INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.