UOB Principal Guaranteed Structured Deposit 2019 - Series (5)

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    UOB Principal Guaranteed Structured Deposit 2019 - Series (5)

    Breathe life into your savings with potentially higher interest

    Get up to 3%* p.a Bonus Interest (or a minimum of 0.5%* p.a) over a 3-year investment term.

    Find out more

    *Full product T&Cs apply

Benefits

Breathe life into your savings with UOB Structured Deposits

Make your money work as hard as you do with UOB Structured Deposit 2019 – Series (5). Get started with a minimum investment of S$5,000.

  • 3%^ p.a Bonus Interest (or a minimum of 0.5%^ p.a) with a 3-year investment term (Annual Bonus Interest is linked to the performance of 3 Singapore company shares)
  • 100% Principal Amount guaranteed when held to maturity

Offer ends 20 June 2019#.

Speak to a UOB Personal Banker for more details.

Buy Online +

(For cash investments only)

 

How does it work

Assuming an investment amount of S$10,000, held till maturity:
From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
DBS 25.00 25.00 26.50 25.80 27.00
OCBC 10.80 10.80 11.50 11.80 12.00
ST 3.20 3.20 3.50 3.60 3.40
All Shares ≥ 100.00% of Initial Price? Yes Yes Yes
Bonus Interest Rate 3.0% 3.0% 3.0%
From the above table:
Since all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 3% of Principal Amount will be paid on all 3 Interest Payment Dates.

Total Bonus Interest = (3 × 3.0%) × SGD 10,000 = SGD 900

In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 900 (i.e. SGD 900 (being the Total Bonus Interest) for 3 years.

 

From the end of the 1st year onwards, Bonus Interest will be paid depending on the performance of the Shares.
Assuming the Initial Price and the Closing Price of the Shares on each Observation Date are as follows:

Share Initial Price 100% of Initial Price Observation Date (1) Observation Date (2) Observation Date (3)
DBS 25.00 25.00 24.80 25.20 24.50
OCBC 10.80 10.80 10.60 11.00 10.00
ST 3.20 3.20 3.00 2.90 3.10
All Shares ≥ 100.00% of Initial Price? No No No
Bonus Interest Rate 0.50% 0.50% 0.50%
From the above table:
Since not all Shares close at or above 100% of their respective Initial Prices on all Observation Dates, Bonus Interest of 0.5% of Principal Amount will be paid on all 3 Interest Payment Dates.

Total Bonus Interest = (3 × 0.5%) × SGD 10,000 = SGD 150

In this example, for a Principal Amount of SGD 10,000, the investor will get a total interest of SGD 150 (i.e. SGD 150 (being the Total Bonus Interest) for 3 years.

At a glance

Investment Currency Singapore Dollars (SGD)
Tenor 3 Years
Offer Period 10 June 2019 to 20 June 2019#
Annual Bonus Interest Minimum at 0.5% p.a of the Principal Amount and maximum at 3.00% p.a of the Principal Amount
Total Guaranteed Minimum Interest 1.50%~ of the Principal Amount (Being Total Minimum Bonus Interest of 1.50% across 3 years)
Minimum Effective Interest Rate 0.4995% per annum
(Based on Total Guaranteed Minimum Interest of 1.50%~ of the Principal Amount.)
Shares in Underlying Basket
  • DBS Group Holdings Limited (“DBS”)
  • Oversea-Chinese Banking Corporation Limited (“OCBC”)
  • Singapore Telecommunications Limited (“ST”)
Key Product Risks For The Investor
  • The credit risk of UOB
  • The worst case scenario of 1.50%~ of the Principal Amount over 3 years if the Structured Deposit is held until maturity
  • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the maturity date. Potential loss of the Principal Amount if the investment is not held to maturity.

^

3.00% p.a Bonus Interest of the Principal Amount is only payable if the Payment Condition is met; otherwise, the investor shall receive a Minimum Bonus Interest of 0.50% p.a of the Principal Amount instead. Equivalent to a minimum effective interest rate of 0.4995%+ p.a (based on the total guaranteed minimum interest of 1.50% payable across 3 years) or equivalent to a potential effective interest rate of 2.9969%+ p.a (based on the total guaranteed minimum interest of 9.00% payable across 3 years) if this Structured Product is held to maturity.

   

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The total guaranteed minimum interest of 1.50% (being Total minimum Bonus Interest of 1.50% of the Principal Amount payable over the 3-year Tenor is equivalent to an effective interest rate of 0.4995% per annum if this Structured Deposit is held until maturity.

   

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Subject to changes, please refer to Indicative Term Sheet for full details.

   

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Only for existing UOB Personal Internet Banking (PIB) customers with a fixed deposit account. Online purchase is subject to passing the Customer Knowledge Assessment (CKA) on UOB PIB.

   

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Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

   

The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by UOB to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2019 – Series (5) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2019 – Series (5). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2019 – Series (5) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – Series (5) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners’ Protection Schemes Act (Chapter 77B).

This advertisement has not been reviewed by the Monetary Authority of Singapore.

United Overseas Bank Limited Co. Reg. No. 193500026Z 

June 2019