CAPITAL PROTECTED PRODUCTS
Intus has a large selection of various Capital Protected Products in our offering. These products are issued by major international banks with high ratings. The capital protection is 100% at the maturity when the underlying stock indices or individual company stocks have not fallen more than 35-50% from their initial levels. If there would happen a larger fall then the capital is repaid according to the weakest performed stock index or stock.
The annual interest payments (coupon payments) are usually between 5% to 18% depending on the product terms. With some products the coupon is paid even the underlying stock indices or stock prices have fallen which makes them as a real alternative for equity investments. The Capital Protected Products are usually issued in US Dollars (USD) or UK Pound Sterling (GBP) due to the higher interest rate these currencies have.
The investment term is from 6 months to 6 years depending on the performance of the underlying stock indices or stocks. There are no subscription fees.
The strength of Capital Protected Products lie in their flexibility and tailored approach to investing. Capital Protected products offer investors full or partial capital protection coupled with equity-linked performance and a variable degree of leverage. They are commonly used as portfolio enhancement tools to increase returns while limiting the risk of capital loss.
We have a special Currency Hedging Service for Euro investors when they invest in Capital Protected Products in US Dollars. Intus will then cover the currency risk and pay to the investor the possible loss if Euro would weaken towards US Dollar during the investment term. The servicing fee is competitive versus the higher return there currently is when investing in US Dollars. More information about Currency Hedging Service can be found here.
HOW TO INVEST IN THE CAPITAL PROTECTED PRODUCTS?
You can invest in Capital Protected Products either through Life Insurance products or through investment trading platforms like Ardan International, Capital International and Novia Global. Open investment account with 7% annual return.
We provide investment advisory services to our clients/members how to choose the best performing Capital Protected Products and the right investment trading platform for your needs. To get a personal offer for the advisory services please contact our Customer Service.
CAPITAL PROTECTED PRODUCT – GUARANTEED ANNUAL COUPON INTEREST 6.10% (USD AND GBP) – MAJOR STOCK INDICES
- Issuer Bank rating: A1 and Aa3 (Moody’s) DOWNLOAD FACT SHEET
- Maximum Term: 3 years
- Underlying Stock Indices Basket: FTSE 100 (UK), S&P 500 (USA) and OMX 30 (Sweden)
- Coupon Interest Rate: Guaranteed 6.40% annual coupon interest (1.60% quarterly) in GBP and 6.30% (1.575% quarterly) in USD despite how the underlying indices perform
- Capital Protection: Underlying stocks can fall -35% at the maturity until capital is at risk, if they have fallen more capital is repaid according to the performance of the weakest performed index
- Subscription fees: None
- Early redemption: Daily liquidity at market price
- Minimum investment: 10,000 USD/GBP/EUR
- Currency hedging: Available for Euro investors
CAPITAL PROTECTED PRODUCT – ANNUAL COUPON INTEREST 22% (USD) – ELECTRIC VEHICLES STOCKS
- Issuer Bank rating: A1 (Moody’s) DOWNLOAD FACT SHEET
- Maximum Term: 4 years (1-4 years)
- Underlying Electric Vehicles Stocks Basket: Tesla Inc., NIO Inc. and Rivian Automotive Inc.
- Coupon Interest Rate: 22% annually in US Dollars (5.50% quarterly), possibly missed coupons are memorized
- Autocall Trigger (early redemption): When all three stocks are or have been since inception on or above 90% (reduced 5% quarterly and floored at 40%) of their initial levels on any quarterly observation date (from 12th months onwards)
- Income Trigger: When all three stocks are on or above 40% of their initial levels on any quarterly observation date
- Capital Protection: Underlying stocks can fall -60% at the maturity until capital is at risk. If any underlying is below this level, capital return will be reduced on 2.5-for-1 basis from 100%. For example if the worst performed underlying has fallen to 30% of its initial level, 75% of the capital will be returned.
- Subscription fees: None
- Early redemption: Daily liquidity at market price
- Minimum investment: 10,000 USD/EUR
- Currency hedging: Available for Euro investors
Capital Protected Products
| Indices Basket | Issuer rating (Moody's) | Currency | Capital Protection/when lowest index | Investment Term in years | Annual Coupon | Coupon is payable when lowest index | Participation rate to index growth | Coupon memory: Yes | Coupon memory: No | Autocall when lowest index | Subscription latest by |
|---|---|---|---|---|---|---|---|---|---|---|---|
| S&P/ASX 200, Euro Stoxx 50, Nikkei 225, S&P 500 | A3 | USD/GBP/EUR | 100%/60% | 1-6 | USD 15% / GBP 14% / EUR 13% | 100% | x | 100% | 04/06/2023 | ||
| S&P/ASX 200, Euro Stoxx 50, Nikkei 225, S&P 500 | A3 | USD/GBP/EUR | 100%/60% | 1-6 | USD 8.40% / GBP 8% / EUR 7.30% | 85% | x | 100% | 07/06/2023 | ||
| Tesla, NIO, Rivian Automotive | A1 | USD | 100%/40% | 1-4 | USD 22% | 40% | x | 90% (40%) | 12/06/2023 | ||
| S&P/ASX 200, Euro Stoxx 50, Nikkei 225, S&P 500 | A3 | USD | 100%/50% | 1-6 | USD 11% | 100% | x | 100% | 21/06/2023 | ||
| S&P 500, Nikkei 225 | A3 | USD/GBP | 100%/70% | 4 | USD 6% / GBP 6% | Guaranteed | 15/06/2023 | ||||
| Euro Stoxx 50, Nasdaq 100, Nikkei 225 | A1 | USD/GBP | Guaranteed | 3-6 | USD 7.20% / GBP 7.70% | 100% | x | 100% | 23/06/2023 | ||
| FTSE-100, S&P 500, OMX 30 | A1 | USD/GBP | 100%/65% | 3 | USD 6.30% / GBP 6.40% | Guaranteed | 21/06/2023 |
Currency means the currencies in which the product is available without a currency risk for the investor.
Capital Protection/when lowest index means how much the lowest performed index or stock price must be minimum at the maturity compared to their start levels there to be 100% capital protection.
Annual Coupon means how much there is paid out total on annual level when the coupon payment terms are fulfilled.
Coupon is payable when lowest index means how much minimum the lowest performed index or stock price must be on the observation dates compared to their start levels that the coupon is paid.
Participation rate means how much there is counted from index or stock price growth for the benefit of the investor, when appropriate.
Coupon Memory means that all previously unpaid coupons will be paid out when the terms for coupon payment are fulfilled.
Autocall means observation date when the underlying indices or stock prices are on such levels that the product will be redeemed early and the capital and all unpaid coupons are paid out.
These products have daily pricing and liquidity at the market price.
Other currencies: Capital protected products are also available as individually tailored ones in Australian Dollars (AUD) and Canadian Dollars (CAD) with a minimum of 300,000 investment; ask our Customer Service for further information.
Full details for the Capital Protection and Product details are available from our Customer Service.