Structured Deposit - Previous Series

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Grow your money with UOB Structured Deposits*

Now you can make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2019 – Series (1)*. Get started with a minimum investment of SGD 5,000*.

  • Total Guaranteed Minimum Interest of 11%* of the Principal Amount over 6 years (equivalent to an effective interest rate of 1.84364% a year)
  • 100% Principal Amount guaranteed when held to maturity
  • Maturity Variable Interest of up to 2.75% linked to 5 Singapore Company Shares*

Offer ends 20 February 2019^. Speak to a UOB Personal Banker for more details.

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.10% - 2.10%
2 2.10% - 2.10%
3 2.10% - 2.10%
4 2.10% - 2.10%
5 2.10% - 2.10%
At maturity - 2.75% 2.75%
Total interest payout 10.50% 2.75% 13.25%
Principal + Interest payout S$10,000 + S$1,050 + S$275 = S$11,325

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.10% - 2.10%
2 2.10% - 2.10%
3 2.10% - 2.10%
4 2.10% - 2.10%
5 2.10% - 2.10%
At maturity - 0.50% 0.50%
Total interest payout 10.50% 0.50% 11%
Principal + Interest payout S$10,000 + S$1,050 + S$50 = S$11,100

At a glance

Investment Currency Singapore Dollars (SGD)
Tenor 6 Years
Offer Period 1 February 2019 to 20 February 2019^
Guaranteed Fixed Interest Payable at the end of:
Year% of the Principal Amount
1 2.10%
2 2.10%
3 2.10%
4 2.10%
5 2.10%
   

Total Guaranteed Fixed Interest = 10.50%
Maturity Variable Interest Minimum at 0.5% of the Principal Amount and maximum at 2.75% of the Principal Amount*
Total Guaranteed Minimum Interest 11%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 10.50% plus minimum Maturity Variable Interest of 0.5%)
Minimum Effective Interest Rate 1.84364% per annum
(Based on total guaranteed minimum interest of 11%* of the Principal Amount.)
Shares in Underlying Basket
  • CapitaLand Limited (“CAPL”)
  • DBS Group Holdings Limited (“DBS”)
  • Keppel Corporation Limited (“KEP”)
  • 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 11%* of the Principal Amount over 6 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.


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

 

*Note: 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.

 

+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.

Important – Please note: 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 (1) 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 (1). 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 (1) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – Series (1) 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 
February 2019

Monitor / View Past Performance

Breathe life into your savings with UOB Structured Deposits

Make your money work as hard as you do with UOB Principal Guaranteed Structured Deposit 2019 – Series (2). Get started with a minimum investment of SGD 5,000.

  • 2.1% p.a. Guaranteed Fixed Interest* for 5 years.
  • Maturity Variable Interest of up to 2.75%^ in Year 6, linked to 5 Singapore Company Shares
  • 100% Principal Amount guaranteed when held to maturity

How it works

Assuming an investment amount of S$10,000, held till maturity:

Best Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.10% - 2.10%
2 2.10% - 2.10%
3 2.10% - 2.10%
4 2.10% - 2.10%
5 2.10% - 2.10%
At maturity - 2.75% 2.75%
Total interest payout 10.50% 2.75% 13.25%
Principal + Interest payout S$10,000 + S$1,050 + S$275 = S$11,325

Worst Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.10% - 2.10%
2 2.10% - 2.10%
3 2.10% - 2.10%
4 2.10% - 2.10%
5 2.10% - 2.10%
At maturity - 0.50% 0.50%
Total interest payout 10.50% 0.50% 11%
Principal + Interest payout S$10,000 + S$1,050 + S$50 = S$11,100

At a glance

Investment Currency Singapore Dollars (SGD)
Tenor 6 Years
Offer Period 11 March 2019 to 21 March 2019^
Guaranteed Fixed Interest Payable at the end of:
Year% of the Principal Amount
1 2.10%
2 2.10%
3 2.10%
4 2.10%
5 2.10%
   

Total Guaranteed Fixed Interest = 10.50%
Maturity Variable Interest Minimum at 0.5% of the Principal Amount and maximum at 2.75% of the Principal Amount*
Total Guaranteed Minimum Interest 11%~ of the Principal Amount (Being Total Guaranteed Fixed Interest* of 10.50% plus minimum Maturity Variable Interest of 0.5%)
Minimum Effective Interest Rate 1.84360% per annum
(Based on Total Guaranteed Minimum Interest of 11%~ of the Principal Amount.)
Shares in Underlying Basket
  • Ascendas Real Estate Investment Trust (“AREIT”)
  • CapitaLand Limited (“CAPL”)
  • DBS Group Holdings Limited (“DBS”)
  • Keppel Corporation Limited (“KEP”)
  • Oversea-Chinese Banking Corporation Limited (“OCBC”)


Key Product Risks For The Investor
  • The credit risk of UOB
  • The worst case scenario of 11%~ of the Principal Amount over 6 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.


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

 

Guaranteed Fixed Interest of 2.1% p.a. of the Principal Amount applies only if the Principal Amount is held until maturity. 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.

 

^2.75% Maturity Variable Interest Rate of the Principal Amount is only payable on Year 6 if the Payment Condition is met; otherwise, the investor shall receive a Maturity Variable Interest of 0.50% of the Principal Amount instead.

~The total guaranteed minimum interest of 11.00% (being Total Guaranteed Fixed Interest of 10.50% plus minimum Maturity Variable Interest of 0.50%) of the Principal Amount payable over the Tenor is equivalent to an effective interest rate of 1.84360% per annum if this Structured Deposit is held until maturity.

+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.

Important – Please note: 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 (2) 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 (2). 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 (2) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2019 – Series (2) 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 
March 2019

More Information


Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance Act (Chapter 77A).

In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).

Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.