Debt obligation of the issuer with embedded derivatives

At Candour Capital, we design and directly source a range of structured investments from top-tier financial institutions for wholesale investors, financial advisers and family offices. Normally, structured investments are provided by large banks to their Private clients and we want to change that. They are now accessible through us regularly. Investment options are available in AUD, USD, GBP, EUR, and other currencies.  

Income-based Structured Product

Sample: Unconditional Income: AUD 6.00% p.a.

Fixed Coupon Memory Autocall - CSL, BHP (AU), Charter Hall

The following is an example of an income-based structured product that provides investors with fixed income. All
terms are for illustrative purposes. For wholesale clients.

Product Features
  • Investment Return: Investors gain an unconditional fixed coupon of 6.00% p.a for AUD. It is paid at the end of each month.
  • Investment Term: 24 months.
  • Investment Underlying: CSL, BHP (AU), Charter Hall
  • Capital redemption: At maturity, the investor will get either outcome:
    a) If Least Performing Underlying’s share price drops less than or equal to 38%, investors receive 100% principal, OR
    b) If Least Performing Underlying’s share price drops more than 38%.                     

    Investors suffer capital loss=Denomination x [Least Performing Underlying’s share price / 100% of initial price]
Risks (including but not limited to)
  • There is a possibility of early redemption from the end of Month Four, conditions apply. At the closing of each business day from the end of Month Four, if three Underlyings are at or above their respective Autocall Level (100% of its initial level) either independently or concurrently, the Note is early redeemed. Investors receive full principal and unpaid coupons
  • Re-investment risk in the case of an automatic early redemption of the investment.
  • Exposure to the credit risk of the issuer.
Growth Structured Product

Sample: Twin Win Note (AUD & USD) - linked to three indices

The following is an example of a growth structure product that provides investors with potential capital
growth. All terms are for illustrative purposes. For wholesales clients.

Product Features
  • Investment Return: it allows investors to capture the absolute performance of the least performing underlying index at maturity.
  • Uniqueness: investors potentially profit from the rising, or the falling market as long as the least performing underlying drops up to 22% at maturity.
  • Investment term: 18 months.
  • Investment Underlying: it is linked to three broad equity indices across different markets – America, Australia and China.
  • Capital Redemption: at maturity, the redemption of 100% principal is subject to:
    a) No knock-in event which means the least performing underlying index closes at or above 78% of its initial level (knock-in barrier) at maturity; and
    b) No issuer risk.
Risks (including but not limited to)
  • In the scenario of all three stock markets remain flat or fall significantly, the performance of the underlying indices may be significantly below expectations, thus reducing the expected return on the investment.
  • If the least performing underlying closes below 78% of its initial level at maturity, investors will suffer a loss of principal. In the worst-case scenario, investors could sustain an entire loss of their initial investment.
  • Exposure to the credit risk of the issuer.
Capital-Preserving Structured Product

Sample: Dispersion Basket Callable Note - linked to ten shares

The following is an example of a capital-preserving structure product, which provides investors with 100% capital redemption. All terms
are for illustrative purposes. Exclusive to wholesale clients.

Product Features
  • Investment Return: potential return is derived from absolute price divergence from 10 shares average regardless of the price of those shares rise or fall.
  • Investment term: 3 years.
  • Investment Underlying: 10 large companies’ share across various sectors.
  • Capital Redemption:  100% capital is redeemed if the investment is held till maturity, and there is no issuer risk.
Risks (including but not limited to)
  • In the case of non-diverging performance between the underlying, investors may not receive any payout.
  • If investors early exit the investment before maturity, investors may bear a loss and get back less than 100% capital.
  • Exposure to the credit risk of the issuer.