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.

Capitalise on the booming Renminbi and gain potentially higher returns compared to fixed deposits. Why Renminbi?

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 RM50,000⁵ 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 25 April 2023. Past performance is not necessarily indicative of future performance and this return is not guaranteed as it is subjected to the currencies movement.

²Source: IMF Data

³Source: World Bank Data 2017

⁴Source: WTO Statistical Review 2017

⁵This investment is only applicable for individuals with at least ONE of the following criteria met:

• Total net personal assets, not inclusive of the value of primary residence, exceeds MYR3,000,000 or its equivalent in foreign currencies; OR
• Investor’s and spouse’s combined net personal assets, not inclusive of the value of primary residence, exceeds MYR3,000,000 or its equivalent in foreign currencies; OR
• Investor’s gross annual income for past 12 months exceeds MYR300,000 or its equivalent in foreign currencies; OR
• Investor’s and spouse’s combined gross annual income for past 12 months exceeds MYR400,000 or its equivalent in foreign currencies;

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.