How Inflation Impacts Life in Malaysia
How to better prepare yourself against inflation in Malaysia.
Negotiable Instrument of Deposits (NID) and Islamic Structured Product are 100% principal
protected investments that can be linked to various investment themes.
Principal Protected
(if held to maturity)
You will receive 100% of your principal amount as long as you hold your investment to maturity.
Exposure to Various
Assets and Tenors
You will get to choose the types of investment assets that you want exposure to, with varying tenors.
Lower Cost of
Investment
We do not charge upfront for investment management fees.
Rate Linked
A type of investment to the
movement of interest rates
such as 3-Month Kuala
Lumpur Interbank Offered
Rate (KLIBOR).
Unit Trust Fund Linked
A type of investment tied
to a specific financial
market or sector, such as
the stock market, the bond
market, or a particular industry.
Equity / Index Linked
A type of financial product
tied to the performance of a
specific stock, group of
stocks, market index or
exchange traded fund.
Currency Linked
A type of investment
tied to the movement of
a particular currency pair.
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
The minimum amount may differ depending on the tranche of NID / Islamic Structured Product you are investing in. Kindly refer to the respective term sheet for the minimum investment amount.
We do not offer Shariah compliant NID at the current point in time.
For a full list of risks of investing in NID / Islamic Structured Product, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the NID / Islamic Structured Product as different tranches may carry different risks to reflect the underlying asset.
There are no fees applicable to NID / Islamic Structured Product.
Early Withdrawal Costs may be incurred if you withdraw before the maturity date. In such cases, you may not receive your full initial investment amount as the costs may be higher than your returns.
Warning:
This product is principal guaranteed by the issuing bank upon maturity only. If the product is redeemed or sold prior to maturity, the customer may lose part of the initial deposit amount. The returns on this product are uncertain and the customer risks earning no returns at all. The customer is reminded that this product is not protected by Perbadanan Insurans Deposit Malaysia (PIDM CR47332B).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non-deposit account, eg. Unit Trust, Bond, Dual Currency Investment (DCI), Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).
Learn, invest and grow with
Fresh Take
Here is some information to help you get started.
Active Traded Idea via NID / Islamic Structured Product
Discover more about actively traded ideas via NID / Islamic Structured Product and understand how to
ride on this investment to gain exposure to various underlying assets while protecting your downside risk.
Rate Linked Investment via NID / Islamic Structured Product
| NID / ISLAMIC STRUCTURED PRODUCT | PRODUCT RISK RATING | TENURE | REFERENCE RATE | RANGE | COUPON /PROFIT | PAYMENT FREQUENCY | Call Provision |
|---|---|---|---|---|---|---|---|
| CALLABLE FIXED RATE NEGOTIABLE INSTRUMENT OF DEPOSIT (NID) | P2 - Low Risk | 3 years | - | - | 4.00% p.a. | Quarterly | Quarterly, Non-call first 3 months |
| ISLAMIC CALLABLE RANGE ACCRUAL -i (CRA-i) | P2 - Low Risk |
5 years | 3-Month KLIBOR | 0.00% - 3.90% | 4.80% p.a. | Quarterly | Quarterly, Non-call first 3 months |
Disclaimer: The above list of NID/Islamic Structured Product were traded for the past 3 months. The list do not form part of the recommendation from the Bank. You are advised to assess your customer risk profile and perform investment suitability checks prior to making investment decision. Kindly contact your Relationship Manager or walk in to the Priority Banking Center to find out more about investment via NID/Islamic Structured Product.
Equity / ETF / Index Linked Investment via NID / Islamic Structured Product
| FRNID | PRODUCT RISK RATING | TENURE | UNDERLYING | CARRIER (% OF INITIAL PRICE) | REBATE | PAYMENT FREQUENCY |
|---|---|---|---|---|---|---|
| EQUITY LINKED BULLISH SHARKFIN FLOATING RATE NEGOTIABLE INSTRUMENT OF DEPOSIT (FRNID) | P2 - Low Risk | 1.5 years | VanEck Gold Miners ETF / USA | Upper Barrier: 109.00% | 9.00% | At maturity |
| INDEX LINKED TWIN-WIN FLOATING RATE NEGOTIABLE INSTRUMENT OF DEPOSIT (FRNID) | P2 - Low Risk |
1.5 years | MSCI World Index | Upper Barrier: 120.00% |
2.00% | At maturity |
| Lower Barrier: 80.00% |
Disclaimer: The above list of Floating Rate Negotiable Instrument of Deposits (FRNID) linked to different types of underlying assets were traded for the past 3 months. The list do not form part of the recommendation from the Bank. You are advised to assess your customer risk profile and perform investment suitability checks prior to making investment decision. Kindly contact you Relationship Manager or walk in to the Priority Banking Center to find out more about investment via FRNID.
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
The minimum amount may differ depending on the tranche of NID / Islamic Structured Product you are investing in. Kindly refer to the respective term sheet for the minimum investment amount.
We do not offer Shariah compliant NID at the current point in time.
For a full list of risks of investing in NID / Islamic Structured Product, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the NID / Islamic Structured Product as different tranches may carry different risks to reflect the underlying asset.
There are no fees applicable to NID / Islamic Structured Product.
Early Withdrawal Costs may be incurred if you withdraw before the maturity date. In such cases, you may not receive your full initial investment amount as the costs may be higher than your returns.
Warning:
This product is principal guaranteed by the issuing bank upon maturity only. If the product is redeemed or sold prior to maturity, the customer may lose part of the initial deposit amount. The returns on this product are uncertain and the customer risks earning no returns at all. The customer is reminded that this product is not protected by Perbadanan Insurans Deposit Malaysia (PIDM).
Money withdrawn from your insured deposit(s) is no longer protected by PIDM if transferred to a non-deposit account, eg. Unit Trust, Bond, Dual Currency Investment (DCI), Floating Rate Negotiable Instrument of Deposit (FRNID), Structured Investment, ASNB, Investment Account-i etc.
This advertisement has not been reviewed by the Securities Commission Malaysia (SC).
