早上起来，还是想说-这个应该比较准确-银行广告不算，要看合同https://www.gotothings.com/singapore/what-is-structured-deposit.htm
Structured products is a class of investments involving the use of complex financial derivatives to deliver a steady annual return above traditional fixed deposits.
Different between Principal Guaranteed and Principal Protected
Principal Guaranteed means that even if a product fails, you will get back the full sum you invested.
Principal Protected means the bank or investment institution that is managing your money is taking steps to invest your money to ensure you will lose part or all of your principal sum.
Most structured products are merely principal protected.
UOB 这么说（宣传）
Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance Act (Chapter 77A).
In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).
Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.
DBS这么说：
A Structured Deposit is not a Traditional Deposit. It is excluded from insurance coverage under the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.
Return of Principal: the Bank will return to you the full Principal Amount if the Bank held the Structured Deposit to maturity or Early Redemption (where applicable). In the worst-case scenario where the Bank is insolvent, you will lose your full Principal Amount.
OCBC:
Principal protection1 and potential interest enhancement!
It is a structured investment product that combines a time deposit and a foreign currency option. You can have your principal protected1 and grasp the investment opportunities with a higher interest return than a normal time deposit in response to foreign exchange movement.
其实，如果一个30天 60天 180天甚至一年的结构存款，它怎么结构来保证本金？ 如果4%的债券， 要至少一年期96%买债，如果半年就基本做不到了，剩下2-4%投资， 有多少回报？ 想想吧，
看疗效，不要看广告 - 呵呵 赵本山
In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).
Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.
DBS这么说：
A Structured Deposit is not a Traditional Deposit. It is excluded from insurance coverage under the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.
Return of Principal: the Bank will return to you the full Principal Amount if the Bank held the Structured Deposit to maturity or Early Redemption (where applicable). In the worst-case scenario where the Bank is insolvent, you will lose your full Principal Amount.
OCBC:
Principal protection1 and potential interest enhancement!
It is a structured investment product that combines a time deposit and a foreign currency option. You can have your principal protected1 and grasp the investment opportunities with a higher interest return than a normal time deposit in response to foreign exchange movement.
其实，如果一个30天 60天 180天甚至一年的结构存款，它怎么结构来保证本金？ 如果4%的债券， 要至少一年期96%买债，如果半年就基本做不到了，剩下2-4%投资， 有多少回报？ 想想吧，
看疗效，不要看广告 - 呵呵 赵本山
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