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Main product features

Deposit maturity ranges

between one week to three months

Low investment volume required

starting at CZK 100 000

Traded online

Can be traded online via RBroker or over the telephone

Higher interest yield

Compared to conventional term deposits, it involves a higher foreign-exchange risk but also a higher interest yield

Appropriate uses of the product

A structured term deposit is a particularly suitable investment product in the following cases:

  • you are willing to assume a greater risk associated with currency conversion for expecting higher returns on the invested amount

  • you are planning to hold a certain, currently weakening, currency, believing that this currency will continue to decline vis-a-vis the alternative one; then, higher interest applied to the initial investment may compensate possible adverse movement of the foreign exchange rate and you are more likely to receive the return in the basic currency

  • in a situation of a long-term decline of interest rates

  • you use frequently different currencies and it does not largely matter to you which currency you receive as return on the investment