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Structured products and market linked accounts

Total flexibility is offered by our comprehensive range of structured products, allowing you to satisfy your risk appetite while enjoying the protection of guaranteed capital.

Structured products can offer you a safe and secure investment vehicle with variable tenures and can be linked to a variety of underlying securities.

Because Structured Products are non-standard financial instruments, they provide you with exposure to the widest range of asset classes whilst meeting your specific risk appetite. The custom-designed nature of Structured Products allows them to be tailored to your specific needs.

For example, you may wish to bridge the gap between low risk, low return deposits and high risk, high return investments, which we can achieve by incorporating a combination of bonds, equities, derivatives, and swaps. Further tailoring comes by linking Structured Products to interest rates, equities (including single names, baskets and indices), currencies, commodities (whether single commodities or indices), real estate, funds, indices, or any combination of these asset classes. Structured Products also offer a choice of capital protection level, with protection varying from 100% capital protection to none. Protection usually applies only if you hold the note to maturity and information on capital protection is given on each productís term sheet.

Structured products can also offer liquidity in the secondary market; however, you should familiarize yourself with the term sheet of the product before making an investment decision.

Market Linked Accounts

A subset of ADCB Structured Products is the Market Linked Account, a short tenor capital protected product. These accounts resemble conventional fixed deposit products with the difference being that investors have the opportunity to earn an uncertain but potentially higher rate of return by forgoing the guaranteed interest rate of a fixed deposit. As with structured products, returns can be linked to a wide range of underlying reference securities.

In general, Structured Products can be designed to be:

  • Income bearing instruments (coupon paying), that pay a return to you based on certain conditions being met
  • Growth instruments that pay a return at maturity based on the performance of the underlying asset. If the value of the asset has moved in a manner to trigger the payoff, you will then receive your guaranteed principal amount plus a coupon Due to their bespoke nature, Structured Products vary in tenor, which can be from three months to several years. It is advisable to be prepared to remain invested until maturity.

For more information on the ADCB Managed Funds, please contact your Relationship Manager or SMS INVEST to 2626

Investment products are not bank deposits and are not guaranteed by ADCB. They are subject to investment risks, including possible loss of principal amount invested. Past performance does not guarantee future results. Please refer to ADCB Terms & Conditions for Investment Services. This web-page is for information purposes only and does not constitute an offer or solicitation to purchase investment products.
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