Earn returns through foreign exchange (FX) strategy.
Foreign exchange-linked structured deposits are short-term deposits that can meet your foreign currency needs while offering the potential for a higher interest rate than available with traditional fixed term deposits.
We offer the following types of FX-linked structured deposits to meet your needs and objectives:
Dual Currency Deposit
If you have (or desire) a portfolio in numerous currencies, a dual currency deposit can provide you with an enhanced return on a short-term deposit (of the same terms) in one currency in return for accepting possible repayments of the deposit principal plus interest in another currency.
Dual Currency Deposit
One Touch Deposit
If you have an opinion on the future movement of an FX rate, a one touch deposit could allow you to potentially earn an enhanced return on your deposit compared to a fixed term deposit. A premium rate of interest is paid if the spot rate trades at a predetermined level at any point during the deposit period, otherwise a smaller nominal rate of interest may be paid. This short-term solution enables you to take the view that the exchange rate will move in either direction from the starting level.
One Touch Deposit
Wedding Cake Deposit
If you have an opinion on the future movement of an FX rate, a wedding cake deposit could allow you to potentially earn an enhanced return on your deposit compared to a fixed term deposit. This short-term structure enables you to take the view that the exchange rate will not move significantly from the starting level. The product is called a wedding cake deposit due to the tiered payoff.
Wedding Cake Deposit
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Products and Services referenced in this page are provided by various RBC Financial Group companies based in different jurisdictions. Potential clients should note that the regulatory regime, including any compensation or investor protection arrangements, may well be different from their home jurisdiction. You should carefully read any regulatory disclosures contained in any literature forwarded to you by RBC Wealth Management's international offices. Depending on your citizenship and residency, these products may not be available to you or may only be available from certain RBC Financial Group companies. For example, some Guaranteed Structured Deposit Accounts are only provided by RBC Financial Group subsidiary companies which only do business in Guernsey and Jersey, and are not available to citizens and residents of the USA.
The value of investments may fall as well as rise and investors may not get back the amount originally invested. Potential investors should seek appropriate advice before making any investment decision.
The term 'structured products' refers to a group of financial instruments with varying terms, payout and risk profiles on a range of underlying assets. Structured products fall into broad categories, are non-standardised and bespoke, and usually invest in a variety of underlying assets such as shares, debt securities, commodities or mutual funds.
Frequently the investments are achieved by embedding derivative products on indices. They can also utilise gearing and leverage, which increases the risk of the investment. The percentage price movements will be greater than those of the underlying asset. Whilst many structured products have a level of capital protection, not all do so. Your capital may fall below the amount you put in. This loss may significantly increase if the product structure involves gearing or leverage. The rate of return may depend on specific conditions being met. If you take your money out early, you may get less than you put in. Where a structured product note has a level of capital protection, this is normally only effective at the maturity of the note.
