Earn up to 6.88% profit per year1 on your term deposit-i by investing or purchasing a Takaful plan with us.
Enjoy a higher profit with a term deposit-i in MYR of up to 3 months by investing or purchasing a Takaful plan with us.
Offer runs from 1 January 2025 to 31 March 2025.
| Product | Tenure | Profit rate1 | Minimum TD-i placement | Placement ratio |
|---|---|---|---|---|
| Shariah-Complicant Unit trusts1 | 3-month | MYR TD-i 6.88% per year |
MYR50,000 | 1:1 |
| Structured investments-i1 | 3-month | MYR TD-i 6.88% per year |
MYR50,000 | 1:2 |
| Foreign currency Sukuk1 | 3-month | MYR TD-i 6.88% per year |
MYR50,000 | 1:2 |
BancaTakaful2 (Regular contribution) |
3-month | MYR TD-i 6.88% per year |
MYR20,000 | 1:1 |
BancaTakaful2 (Single contribution) |
3-month | MYR TD-i 6.88% per year |
MYR20,000 | 1:3 |
| Product | Shariah-Complicant Unit trusts1 |
|---|---|
| Tenure | 3-month |
| Profit rate1 |
MYR TD-i 6.88% per year |
| Minimum TD-i placement | MYR50,000 |
| Placement ratio | 1:1 |
| Product | Structured investments-i1 |
| Tenure | 3-month |
| Profit rate1 |
MYR TD-i 6.88% per year |
| Minimum TD-i placement | MYR50,000 |
| Placement ratio | 1:2 |
| Product | Foreign currency Sukuk1 |
| Tenure | 3-month |
| Profit rate1 |
MYR TD-i 6.88% per year |
| Minimum TD-i placement | MYR50,000 |
| Placement ratio | 1:2 |
| Product |
BancaTakaful2 (Regular contribution) |
| Tenure | 3-month |
| Profit rate1 |
MYR TD-i 6.88% per year |
| Minimum TD-i placement | MYR20,000 |
| Placement ratio | 1:1 |
| Product |
BancaTakaful2 (Single contribution) |
| Tenure | 3-month |
| Profit rate1 |
MYR TD-i 6.88% per year |
| Minimum TD-i placement | MYR20,000 |
| Placement ratio | 1:3 |
How to invest
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Islamic investment products
Shariah-Compliant Unit Trust
For medium to long-term goals, unit trust is a viable investment option as it utilises time and the expertise of investment professionals to your advantage. The earlier you start, the better your chances of reaping potentially higher returns.
Why is diversification important
- Minimises the risk of lossTo your overall investment portfolio by reducing potential volatility.
- Allows you to explore more opportunities for returnBy spreading your investments to different asset classes.
- Protects you against adverse market cyclesAnd unexpected market crisis like what we have experienced with COVID-19.
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Shariah-Compliant Structured Product
A customisable investment solution which can be tailor-made according to your investment need, market view and risk appetite. You can choose from various structures with returns dependent upon movements of a predetermined index, equity, FX rates or interbank rate benchmark. For example:
- HSBC Amanah Principal Protected Participation Structured Product offers you the opportunity to capitalise on upside potential of your preferred equity or index to earn an enhanced return
- HSBC Amanah Principal Protected Absolute Performance Structured Product offers you the opportunity to earn a positive return not only when underlying equity/index price goes up but also when the underlying price goes down
- HSBC Amanah Principal Protected Range Accrual FRINI rates linked Structured Product offers you the opportunity to capitalise on range bound view of market rates to earn regular profit payment higher than the term deposit-i rate.
- HSBC Amanah Principal Protected Digital Lock-In Equity/Index Linked Structured Product offers you the opportunity to earn regular profit payment higher than the term deposit-i rate when the underlying equities/indices stay above a predetermined level (e.g. 90% of initial price).
- HSBC Amanah Non-Principal Protected MaxMin Autocallable Structured Product offers investors the opportunity to earn potential regular profit payments higher than the term deposit-i rate when the underlying equities/indices stay above a predetermined level that is lower than current underlying price (knock in level).
Sukuk
Sukuk are Shariah compliant debt securities which represent certificates of equal value that evidence undivided ownership or investment in the underlying assets using Shariah principles. Essentially, when you invest in Sukuk, your money is put into the assets of a project or investment in order to generate profit. Sukuk offers you the opportunity to earn profits (in the form of periodic distribution payments). It can also be traded (buy or sell) prior to maturity provided a counterparty is found at the best effort basis of the Bank. HSBC Amanah offers sukuk in various currencies and credit ratings.
Foreign exchange
Access real-time FX rates and transfer money instantly across the globe.
Only individuals registered with Federation of Investment Managers Malaysia (FiMM) as consultants are authorised to promote, market and distribute unit trust schemes. To better safeguard your interest during any discussion and investment related to unit trust schemes, you are advised to access https://www.fimm.com.my/search and key in the full name of the unit trust consultant to verify if they are authorised by FiMM.
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Important notes:
Issued by HSBC Amanah Malaysia Berhad 200801006421 (807705-X). Member of PIDM. Protected by PIDM up to RM250,000 for each depositor. This material has not been reviewed by the Securities Commission Malaysia (SC).
1HSBC Amanah Premier Q1 2025 Wealth Bundling Terms & Conditions apply (“Promotion”). This Promotion is open to new and existing active HSBC Amanah Premier customer(s). The minimum investment amount in Wealth Products and the TD-i, as well as the ratio, must be accordance with the amount stated in the Terms & Conditions. A maximum limit of MYR150 million TD-i placements apply collectively throughout the Promotion Period, which is pooled together with 'HSBC Premier Q1 2025 Wealth Bundling'. All TD-i placements under this Promotion must be made with New Funds. HSBC Bank is the sole provider for this Promotion. TD-i Promotional Rates are subject to Overnight Policy Rate revision.
2HSBC Amanah Q1 2025 Banca-Takaful Bundling Campaign Terms & Conditions apply (“Promotion”). The Promotion is open to new and existing active HSBC Amanah Premier and HSBC Amanah Advance customer(s). The minimum investment amount in Banca Products and the TD-i, as well as the ratio, must be accordance with the amount stated in the Terms & Conditions. A maximum limit of MYR62 million TD-i placements apply collectively throughout the Promotion Period, which is pooled together with 'HSBC Q1 2025 Bancassurance Bundling Campaign'. All TD-i placements under this Promotion must be made with New Funds. HSBC Bank is the sole provider for this Promotion. TD-i Promotional Rates are subject to Overnight Policy Rate revision.