Enhanced yield investments
Available to existing clients only. Information can be
obtained upon request.
Fairbairn Private Bank may offer
investment alternatives for those seeking higher returns in a risk
controlled environment (capital not necessarily 100% protected).
These can be structured for a variety of periods and can be linked
to alternative underlying markets such as commodity, stock or
currency, instead of money markets. Alternatively,
structured deposits may
offer 100% capital protection.
Example - dual currency deposit
A dual currency deposit (DCD) is a short-term
deposit linked to a specific currency pair, one of which is the
currency deposited. Typically, a DCD will offer significantly
higher interest rates than a conventional fixed deposit, however
there is currency risk involved.
The client chooses a pair of currencies and
gives Fairbairn Private Bank the right to repay the deposit and
interest in the second currency if the deposit currency at maturity
has strengthened beyond the strike rate.
A DCD may be suitable for a client who:
- Has a need for two or more currencies
- Has a need for a currency but is not sure when to convert
- Is a sophisticated investor.
Tailor made products
These products can be tailored to suit an individual client's:
- Risk appetite
- Currency requirements
- Investment timescale.
Please note: the penalties for breaking a
deposit early will be greater than for conventional fixed term
deposits.