Date: August 10, 2017
Structured deposits have ‘tenors’ or maturity periods that usually start from as short as a year to 10 years or longer, although such lengthy periods are rare.
When investing, you should consider the length of time you are able to set your money aside for investing
Whether the issuer has the option to redeem the deposit early
Structured deposits are usually offered in individual portions known as ‘tranches’.
Each tranche has either a fixed offer period or are available until the tranche is fully subscribed. However, different tranches may come with differing features and returns.
What are the maximum/minimum returns from this product?
How is the return linked to the performance of the underlying assets/markets
What is the formula to determine returns; should the worst-case scenario happen, is the return acceptable?
Is there a ‘cooling off’ period for investors?
Is early withdrawal allowed and what are the costs involved?