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What is a DCI?

Dual Currency Investment (DCI) is a FX structured product that provides opportunities to potentially maximize your returns. Eligible investors can take advantage of the exchange rate movements to gain potentially higher returns as compared to ordinary fixed deposits. Besides, eligible investors have the flexibility to choose the currency pairing (Investment Currency and Alternate Currency), Investment Tenor (ranging from 2 days to 365 days) and FX Conversion Rate you feel most comfortable with.

 

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.

 

How to start investing?

Step 1:

Eligible investors will be required to choose two currencies for this Investment – (i) Investment Currency and (ii) Alternate Currency.

 

Step 2:

Select preferred Investment Tenor (Choice of a minimum of 2 days to a maximum of 365 days) and FX Conversion Rate.

 

Step 3:

Decide Principal Amount. Minimum RM50,000 or its equivalent in foreign currency.

 

 

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.

Benefits & Privileges

Higher Returns
Customisable
Wide Range of Currencies
Smooth Customer Experience

 

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.

 

How do I participate?

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

Eligibility

  • This product is available only to Sophisticated/High Net Worth Investors (HNWI)
  • For more information, please consult a Relationship Manager at your nearest branch to access the latest disclosure documents

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.