How to be future ready: Invest sustainably.
ESG Series, Part 2. Growth trajectory and unlimited potential of investing into ESG.
What
ACEL is an equity based investment that pays an enhanced yield as compared to traditional deposits. The tenure can be as short as
1 month to as long as 1 year. Depending on the price movement of the stock, investors may face the risk of having to
own the underlying upon maturity of the product.
However, the stock is purchased at a price which is lower than the initial market price, which is the intention of certain investors.
After all, it doesn’t harm to own a good quality stock in your portfolio - you earn an enhanced yield while buying it cheaper.
What are
Fixed Periodic Interest Payout
You can get regular
interest payments during the
investment period.
Stock Ownership
You can own a high quality name
at a cheaper price while
earning attractive yields.
Shorter Investment Horizon
You can decide on your
preferred investment period, ranging from
1 to 12 months.
How ACEL Works
|
Principal Amount
MYR 50,000.00
|
Initial Price
USD 10
|
Company
ABC
|
Barrier Price
USD 11
|
Investment Period
6 Months
|
Strike Price
USD 8
|
Interest Rate
10.00% p.a.
|
Final FX Rate
4.25 (USD/MYR)
Ready to invest?
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
Frequently Asked Questions
The minimum investment amount to invest in ACEL is RM50,000.
For a full list of risks of investing in ACEL, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the ACEL as different tranches may carry different risks to reflect the underlying asset.
In general, the risk in ACEL investment include the following to a certain degree:
- Price risk: In the event that the price of the underlying share falls below the Strike Price, you may be paying a higher cost for the shares at maturity
In the most simplified terms, the possible outcomes is summarised below:
- Outcome 1: Investment is held until maturity and final price is above strike price, receive both principal and interest in cash upon maturity
- Outcome 2: Investment is knocked out before maturity, receive both principal and interest in cash
- Outcome 3: Investment is held until maturity and final price is below strike price, receive principal in shares and interest in cash upon maturity
All expenses relating to the delivery of the Underlying Financial Instrument, including but not limited to stock exchange levy, stamp duty, stock deposit, fee, custody fee and settlement fees imposed by the relevant brokerage house or custodian of the Underlying Financial Instrument, are payable by the Customer.
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:
The returns on structured product investment will be affected by the performance of the underlying asset/reference, and the recovery of your principal may be jeopardised if you make an early redemption. This structured product investment 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 amount, e.g. Unit Trust, Bond, Dual Currency Investment (DCI), Negotiable Instrument of Deposit (NID) and 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
tab 2
Here is some information to help you get started...
Tap on our in-house quantitative screen methodology for a list of approved underlying stock names for ACEL that covers various sectors
and regions. Contact your Relationship Manager to find out more about ACEL.
Consider
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
My spouse and I have a joint gross annual income exceeding RM400,000 or its foreign currency equivalent; in the last twelve months;OR
My gross annual income exceeding RM300,000 or its foreign currency equivalent; in the last twelve months; OR
I or my spouse and I, have a personal or joint investment portfolio exceeding exceeding RM1 million or its foreign currency equivalent; in capital market products.
My personal or joint net assets with my spouse, excluding primary residence, exceed RM3 million or its foreign currency equivalent; OR
Ready to invest?
Register your interest and our dedicated team will be in touch.
Visit our nearest HLB branch and talk to our representative.
Frequently Asked Questions
The minimum investment amount to invest in ACEL is RM50,000.
For a full list of risks of investing in ACEL, it is recommended to consult a licensed financial or professional advisor and refer to the documents in relation to the ACEL as different tranches may carry different risks to reflect the underlying asset. In general, the risk in ACEL investment include the following to a certain degree: - Price risk: In the event that the price of the underlying share falls below the Strike Price, you may be paying a higher cost for the shares at maturity
In the most simplified terms, the possible outcomes is summarised below: Outcome 1: Investment is held until maturity and final price is above strike price, receive both principal and interest in cash upon maturity Outcome 2: Investment is knocked out before maturity, receive both principal and interest in cash Outcome 3: Investment is held until maturity and final price is below strike price, receive principal in shares and interest in cash upon maturity
All expenses relating to the delivery of the Underlying Financial Instrument, including but not limited to stock exchange levy, stamp duty, stock deposit, fee, custody fee and settlement fees imposed by the relevant brokerage house or custodian of the Underlying Financial Instrument, are payable by the Customer.
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.
Disclaimer
Warning:
The returns on structured product investment will be affected by the performance of the underlying asset/reference, and the recovery of your principal may be jeopardised if you make an early redemption. This structured product investment 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 amount, e.g. Unit Trust, Bond, Dual Currency Investment (DCI), Negotiable Instrument of Deposit (NID) and 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).
