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MY

What is a DCI?

Dual Currency Investment (DCI) is a FX structured product designed to help you potentially enhance your returns. As an eligible investor, you can benefit from currency fluctuations that may offer higher returns compared to traditional fixed deposits. Additionally, DCI provides the flexibility to choose your preferred currency pair (Investment Currency and Alternate Currency), select an investment tenor ranging from 2 to 365 days, and set a FX Conversion Rate that suits your risk profile.

 

Click here to find out more on how to start investing in DCI.

 

If you have a need for foreign currency for your child’s educational expenses overseas or business interest abroad, Dual Currency Investment (DCI) may be right for you.

 

Upon maturity, the Bank has the right to repay the Principal Amount and the DCI Return Amount either in the Investment Currency or to convert the Investment Currency into the Alternate Currency at the FX Conversion Rate pre-agreed between the Bank and you.

 

Suitable for: Balanced investors

Why You Should Invest in DCI

Earn

Potentially Higher Yields

Enjoy

Flexible Investment Tenor

No

Sales Charges or Management Fee

Benefits & Privileges

  • Higher Returns

    Take advantage of exchange rate movements to gain potentially higher returns (up to double digits returns per annum subject to market movement).

  • Wide Range of Currencies

    We provide more than 10 currencies for you to customise your currency pairing with major currencies.

  • Low Entry Requirement

    Start investing with a minimum amount of RM50,000 or its equivalent in foreign currency.

  • Customisable

    Flexible investment tenor ranging from a minimum of 2 days to a maximum of 365 days and flexible FX Conversion Rate.

  • Personalize Currencies Update

    Access to Treasury Relationship Managers’ (“TRM”) Expertise for FX updates.

What Are The Key Product Risks?

Credit Risk – This Investment is NOT protected by Perbadanan Insurans Deposit Malaysia (PIDM)

  • The risk of payment of the Principal Amount or Interest Amount of this Investment depends upon the ability of the Bank to make such payments. You are therefore taking the credit risk of the Bank as the counterparty to the Investment.

 

Non-Principal Guarantee/Protection and Early Redemption/Withdrawal Risk

  • You should note that DCI products are meant to be held until maturity. While you may request for an Early Redemption/Withdrawal, you may incur a loss on the principal upon redemption.

 

Market Risk

  • The returns on the Investment may be dependent upon the performance of the underlying reference(s). The performance may be susceptible to fluctuations due to economic factors, market sentiments and may vary depending on the outcome of one or more market factors.

 

Currency Risk

  • Currency risk may be present where the Principal Amount or the DCI Return Amount of this Investment or the obligation(s) are denominated in a currency other than your preferred currency.

Learn More About DCI

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Eligibility & Requirements

Minimum investment amount of RM50,000

  • This product is available only to Sophisticated/High Net Worth Investors (HNWI).

Important Notes

This material has not been reviewed by the Securities Commission Malaysia (“SC”).

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 PRODUCT INVESTMENT IS NOT INSURED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

MEMBER OF PIDM.

For further information, please contact your relationship manager or visit any of our CIMB Bank branches.

Need More Information?

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Call Us At

Local: 1300 885 300

Overseas: +603 2295 6888

(Available 24 hours)

 

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