Fixed Income

Money Market Instruments

Money Market Instruments are short dated debt instruments generally issued by supra national governments, financial institutions or corporations. They include Treasury Bills, Certificates of Deposits and Commercial paper.

While they are generally short-dated instruments, investors are still exposed to the issuer’s credit risk and market risk amongst other risks.

Key Features

  • Generally short tenors of less than one year
  • Receive the principal value of the bond upon maturity, subject to the issuer’s credit risk and market risk amongst other risks.

These products are only recommended for investors with an appropriate risk appetite, financial situation, experience and objectives as they carry significant risks. Investors are exposed to the issuer's credit risk and market risk amongst other risks.

Certificate of Deposits (CD’s) are NOT equivalent to a time deposit. They are NOT a protected deposit and are NOT protected by the Deposit Protection Scheme in Hong Kong.

The product may not be suitable for all types of investors. For more information on the features, benefits and risks of this type of investment, please contact your Relationship Manager.

Important Notes:

DBS Bank (Hong Kong) Limited is not your investment adviser or acting in any fiduciary capacity to you. The above information is not and shall not be considered as investment advice. It does not constitute any offer or solicitation of offer to subscribe, transact or redeem any investment product. Investment involves risk. Past performances are not indicative of future performances. You should not rely on the above information alone to make any investment decision. You should carefully read the product offering documentation for detailed product information and risk factors prior to making any investment. If you have any doubt on this material or any product offering documentation, you should seek independent professional advice.

Money Market Instrument (“the Product”) is a structured product involving derivatives. The investment decision is yours but you should not invest in the Product unless DBS Bank (Hong Kong) Limited has explained to you that the Product is suitable for you having regard to your financial situation, investment experience and investment objectives.

Investor investing in the Product denominated in non-local currency should be aware of the risk of exchange rate fluctuations that may cause a loss of principal. The product is different from traditional time deposite and should not be treated as their substitution.

The price of bonds can and does fluctuate and any individual bond may experience upward or downward movements, and may even become valueless. There is an inherent risk that losses may be incurred rather than profit made as a result of buying and selling bonds. The holder of bonds bears the credit risk of the issuer.Investors are exposed to the issuer's credit risk.