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About Dual Currency Investment (DCI)

Dual Currency Investment (DCI) is an investment product, a combination of two financial instruments namely FX Options (derivatives) and Deposits (non-derivatives) that can provide higher interest rates than conventional deposits.

Customers may invest using 2 (two) currencies such as the USD, AUD, EUR, GBP, SGD, and JPY with a flexibility short tenor from 1 (one) week to 1 (one) year.

Why invest?

  • To get a higher interest income.
  • To invest in short-term yield enhancement products and feel comfortable about the risk of currency conversion to receive returns in alternative currencies.
  • To diversify assets.

Illustration of Dual Currency Investment

Currency GBPUSD
Tenor 21 days (3 weeks)
Amount
GBP 100,000.00
Ref Spot 1.3892
Strike 1.3917
Interest (p.a) 10.00%

 

Scenario 1

On fixing date, if the GBPUSD exchange rate is below or at the strike exchange rate, the return will be:

GBP 100,000.00 x 10% x [21/365 days] = GBP 100,575.34


Scenario 2

On fixing the date, if the GBPUSD exchange rate is above the strike rate, the return will be:

(GBP 100,000.00 x 10% x [21/365 days] x Strike Exchange Rate 1.3917 = USD 139,970.70 *

 

* The value of USD 139,970.70 if converted to GBP using current Spot rate, will be lower than the Initial investment value in GBP

Risk Considerations

The characteristic of Dual Currency Investment (DCI) product is non-principal protected, at maturity, investments can be returned / converted to alternative currencies. If at maturity the return is in alternative currency, and the customer choose to convert the return back to the original currency, they may potentially loss. The profit depends on market exchange rate fluctuations and movements at maturity. Placement of funds in this product is not covered in the Government guarantee program (Lembaga Penjaminan Simpanan/LPS)
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