Relationship Manager | The leading source of data, research, information & resource for financial professionals, investment managers, professional investors, family offices & advisors to institutions, billionaires, UHNWs & HNWs. Covering capital markets, investments and private wealth in Asia. How do you invest $3 million to $300 million? How do you manage $20 million to $3 billion of assets? Caproasia - Learn more

This site is for accredited investors, professional investors, investment managers and financial professionals only. You should have assets around $3 million to $300 million or managing $20 million to $3 billion.

7 Key Investment Products in Personal Banking

With many asset classes and investment products such as Equities, Bonds, Fixed Income, Unit Trust, Insurance and lots more, which are the important products in Personal Banking? What do Personal Bankers look at?  What are products being recommended to clients?

Related Article: Top 2 Products to build a Strong Relationship with Clients in Retail Banking

We look at 7 key investment products in Personal Banking:

- Article continues below -

Sign Up
Basic Member: $5 Monthly | $60 Yearly
Newsletter Daily 2 pm (Promo): $20 Monthly | $180 Yearly (FP: $680)

The 2024 Investment Day
5th June Hong Kong | 12th June Singapore

Private Equity, Hedge Funds, Boutique Funds, Private Markets & more. Taking place on 5th June 2024 in Hong Kong, 12th June 2024 in Singapore.
Visit | Register here

The 2024 Family Office Summit
16th Oct Hong Kong | 23rd Oct Singapore

Join 80 single family offices & family office professionals in Hong Kong & Singapore
Links: 2024 Family Office Summit | Register here

No. 1 Deposits


Though deposits are generally and legally not defined as investments, it comes with systemic risks such as bank-runs or institutional bankruptcy.  Almost every year, there are at least a few banks going bankrupt.

The assurance of the deposits is thus subject to the safety of the bank – and also why we tend to bank with larger banks.  Smaller banks have to pay higher interest rates to attract depositors.  So, placing a deposit with a bank is almost like investing into the “right bank”.

Examples: Savings Account, Current Account & Fixed Deposit



No. 2 Stocks

NAGOYA JAPAN - SEPTEMBER 26, 2014: Japanese Stock market board - Economy of Japan is the third largest in the world by nominal GDP.
NAGOYA JAPAN – SEPTEMBER 26, 2014: Japanese Stock market board – Economy of Japan is the third largest in the world by nominal GDP.

Also known as Equities and is the most important & common asset class.

It is hot topic and the conversation starter for all investments.  It is always exciting to discuss about how $10,000 could had been invested into the stock 3 years ago, and that would had been $20,000 today.  Blow up the number to $1 Million, and it will be $2 Million today.

Many investment products such as Exchanged Traded Funds, Stock Options, Equity-Linked Notes are directly or indirectly created from stocks.

Examples: DBS Bank, Singtel, SGX, Cheung Kong Holdings, Apple & Alibaba


No. 3 Bonds

Investment Analysis
Investment Analysis

After stocks will be bonds.  For a long time, many bonds were only offered to accredited investors, where bonds are issued in $200,000 and above denominations. The regulation & large entry amount restricted the bonds access from many retail investors.

As Asia financial market develops and bonds awareness grew, bonds are now more easily accessible. Some bonds are issued as low as $1,000, allowing for a wider pool of investor’s participation.

Bonds provides regular coupon payout and is often a good alternative to fixed deposit, albeit higher risks.


  • Government Bond – SG31A0000001 01062025 S/A 2.375%
  • Corporate Bond – Capitaland 20092022  S/A 4.076%

” When interest rate rises, bond prices drop “


No. 4 Unit Trust

Mutual Funds
Mutual Funds

Unit Trust is the most popular investment product because of it’s simplicity. You don’t have to know stocks or bonds. Lack the time to manage money or not familiar with investments? Leave it to the Fund Managers who manage Unit Trust.

Most banks have a funds list of 50 to 200 funds to choose from.  To achieve global diversification, an investor into stocks / bonds will need a few million dollars. Through Unit Trust, the invested amount can be done with as little as $1,000.

Unit Trusts are professionally managed funds that invest into pre-determined mandate such as in equities, bonds, properties or commodities. There are global funds, regional funds and popular single country funds like China and India.

Examples: First State China Fund, Aberdeen Asia Pacific Equity


No. 5 Structured Product


Started in banks after the dotcom or tech bust in 2000.  Structured products are customised investment solutions for high net worth clients, was then introduced to retail clients.

In the early days, only structured deposits with principal protection was offered. As investors became more familiar with investments, non-principal protected structured notes were introduced.

Structured products are a great addition to client’s portfolio. As the risks and rewards of the investment are customised, it provides investors choices in investments decisions.

A popular product is Equity-Linked Notes. You are able to help client participate with higher yield returns while hoping to buy the stock at a discount.


  • Selected Equity: DBS Bank
  • Spot: $20.80
  • Strike Price: $20
  • Yield: 10 % p.a.
  • Period: 1 Month

And since it is stocks and duration can be structured for the short-term, it provides ample opportunities to follow up with and understand clients, enhance relationship, which will allow you to provide more financial advice and recommendations to clients.

Example: Equity Linked Notes (ELN), Index Linked Notes, Interest Rate Linked Product, Commodities linked Product, Fixed Coupon Note (FCN)

Components: Underlying Asset, Options & Other Derivatives.


No. 6 Dual Currency or Currency-Linked Investment


Dual Currency is also a structured product. In Personal Banking, it is an important and distinct product as it offers access to foreign currencies such as USD, EUR, GBP, AUD & NZD.

Like Equity-Linked Note, it allows investors to customised the risks and returns.


  • Selected Pairing: SGD Against USD
  • Spot: $1.3500
  • Strike Price: $1.3450
  • Yield: 3 % p.a.
  • Period: 1 Month

This product is popularly used as an investment to enhance yield / interest rates and to prepare funds for future needs such as buying overseas properties, university education or retirement planning.


No. 7 Insurance

Affluent Clients
Affluent Clients


Bank + Insurance = Bancassurance

Ever wonder how insurance made its way into banks?

Savings was growing in banks so fast that banks were unable to lend out fast enough. Insurance companies wanted to sell insurance policies and endowment savings plan where the money are parked in bank accounts. It was the perfect collaboration as banks and insurance companies formed partnership.

Today, almost all banks distribute insurance products as part of the wealth management offerings.

Example: Single Premium Endowment, Regular Premium Endowment, Whole Life, Investment-Linked Policies & Universal Life

These are the 7 important Investment Products in Personal Banking. Did we miss out any?

Related Articles:


Managing $20 million to $3 billion. Investing $3 million to $300 million.
For Investment Managers, Hedge Funds, Boutique Funds, Private Equity, Venture Capital, Professional Investors, Family Offices, Private Bankers & Advisors, sign up today. Subscribe to Caproasia and receive the latest news, data, insights & reports, events & programs daily at 2 pm.

Join Events & Find Services
Join Investments, Private Wealth, Family Office events in Hong Kong, Singapore, Asia-wide. Find hard-to-find $3 million to $300 million financial & investment services at The Financial Centre | TFC. Find financial, investment, private wealth, family office, real estate, luxury investments, citizenship, law firms & more.  List hard-to-find financial & private wealth services.

Have a product launch? Promote a product or service? List your service at The Financial Centre | TFC. Join interviews & editorial and be featured on or join Investments, Private Wealth, Family Office events. Contact us at [email protected] or [email protected] | The leading source of data, research, information & resource for financial professionals, investment managers, professional investors, family offices & advisors to institutions, billionaires, UHNWs & HNWs. Covering capital markets, investments and private wealth in Asia. How do you invest $3 million to $300 million? How do you manage $20 million to $3 billion of assets?

Quick Links

2021 Data Release
2020 List of Private Banks in Hong Kong
2020 List of Private Banks in Singapore
2020 Top 10 Largest Family Office
2020 Top 10 Largest Multi-Family Offices
2020 Report: Hong Kong Private Banks & Asset Mgmt - $4.49 Trillion
2020 Report: Singapore Asset Mgmt - $3.48 Trillion AUM

For Investors | Professionals | Executives
Latest data, reports, insights, news, events & programs
Everyday at 2 pm
Direct to your inbox
Save 2 to 8 hours per week. Organised for success

Register Below

For CEOs, Heads, Senior Management, Market Heads, Desk Heads, Financial Professionals, Investment Managers, Asset Managers, Fund Managers, Hedge Funds, Boutique Funds, Analysts, Advisors, Wealth Managers, Private Bankers, Family Offices, Investment Bankers, Private Equity, Institutional Investors, Professional Investors

Get Ahead in 60 Seconds. Join 10,000 +
Save 2 to 8 hours weekly. Organised for Success.

Sign Up / Register

    InvestorProfessionalFamily OfficeExecutive


    Professional InvestorPrivate WealthFamily OfficePrivate BankingWealth ManagementInvestmentsAlternativesPrivate MarketsCapital MarketsESG & SICEO & EntrepreneursTax, Legal & RisksHNW & UHNWs Insights

    Web links may be disabled on mobile for security.
    Please click on desktop.

    Caproasia Users

    • Manage $20 million to $3 billion of assets
    • Invest $3 million to $300 million
    • Advise institutions, billionaires, UHNWs & HNWs

    Caproasia Platforms | 11,000 Investors & Advisors

    Monthly Roundtable & Networking

    Family Office Programs

    The 2024 Investment Day

    • March 2024 - Hong Kong
    • March 2024 - Singapore
    • June 2024 - Hong Kong
    • June 2024 - Singapore
    • Sept 2024 - Hong Kong
    • Sept 2024 - Singapore
    • Visit: The Investment Day | Register: Click here

    Caproasia Summits

    Contact Us

    For Enquiries, Membership
    [email protected], [email protected]

    For Listing, Subscription
    [email protected], [email protected]

    For Press Release, send to:
    [email protected]

    For Events & Webinars
    [email protected]

    For Media Kit, Advertising, Sponsorships, Partnerships
    [email protected]

    For Research, Data, Surveys, Reports
    [email protected]

    For General Enquiries
    [email protected]

    Caproasia | Driving the future of Asia
    a financial information technology co.
    since 2014

    Previous articleTim Duncan claims he lost $20 million to Financial Advisor
    Next articleTrading Places covering capital markets, investments and private wealth in Asia. Our users manage, advise & invest $25 trillion assets in Asia