Conversation GuideQuick Pitch · All Products
Structured Investment · Quick Pitch
Six products, on a single page.
A scannable overview of the six structured investment types — key terms, mechanics, and best-fit profile.
01.Six products at a glance
| Product | Principal | Coupon | KO / KI | Best for |
|---|---|---|---|---|
| Bullet EKI | At risk | 11–15% upfront | 102% / 80% | Immediate income |
| Step Down EKI | At risk | 13–14% p.a. | 105→81% / 70% | Longer window |
| Range Accrual | Protected | Up to 5% p.a. | — | Conservative |
| Inverse Floater | Protected | 6.90% Yr 1 | — | Expects rate cuts |
| Sharkfin | Protected | 0–20%+ / 8.5% rebate | ~114% / — | Safety + equity upside |
| Basket Quanto | At risk | 12% p.a. monthly | 102% / 73% | Monthly income |
02.One-line analogies
- Bullet EKI. A full year's rent upfront before the lease begins.
- Step Down EKI. The bar keeps lowering — the stock doesn't need to rally to exit.
- Range Accrual. Paid for every day the weather stays within a forecast band.
- Inverse Floater. Benefits from falling rates — the inverse of a standard floater.
- Sharkfin. Capital preserved; participates if stock rises moderately.
- Basket Quanto. Monthly distributions linked to a basket — RM 1,000/mo on RM 100K.
03.Pitch by client type
- Conservative / FD-type. Range Accrual — principal-protected "smart FD" at 5%.
- Rate-cut believer. Inverse Floater — 6.9% Year 1 locked in, higher if rates drop.
- Capital safety + equity optimism. Sharkfin — principal safe, uncapped upside in sweet spot.
- Cautious equity bull. Step Down EKI — easier exit, monthly income.
- Aggressive equity bull. Bullet EKI — max coupon, paid upfront.
- Monthly income. Basket Quanto — RM 1,000/mo on RM 100K.
For internal reference only — not for client distribution. Indicative terms only; pricing, barriers and availability are set at the time of trade. Structured investments are not fixed deposits and are not insured under PIDM. Please consult the full term sheet and a suitability assessment.
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