OREANDA-NEWS. August 18, 2008. These investment deposits are SEB term deposits whose interest is tied to the success of the index that monitors movements in the prices of shares, commodities, bonds and property. The principal amount of the deposit is 100% protected during the entire deposit period, reported the press-centre of SEB Pank.

The underlying asset of Investment Deposit DynaMO is the index composed by Goldman Sachs, whose rate of return is tied to the price movements of 10 different asset classes and contains share, commodity, bond and property indexes, hedge funds and money. The share indexes selected for the portfolio represent different geographic regions – the US, Europe, Japan, BRIC and Next11. Efficient portfolio management theory, which guarantees smaller price variations, is used for index optimisation and changing the proportions of components. The prepared algorithm calculates the asset classes where price increases can be expected on the basis of the price movements of asset classes.

Please also carefully read the Q&A and the summary of risk factors.

It pays to buy the Investment Deposit DynaMO, because:
Its historical rate of return is good. The portfolio has demonstrated a better historical rate of return than other financial classes.

The portfolio is highly spread and contains shares, commodities, property, bonds, hedge funds and money from different regions.

The efficient portfolio management theory allows it to attain good rates of return at small price variations. Participation rates are higher than usual due to the small price variations.

It offers an opportunity for spreading the investment portfolio, because the solution has a very low correlation with other financial assets.

The rate of return of the DynaMO index in the last five years has been compared to the rate of return of the overall index of the world on this graph.

NB! Rates of return in previous periods do not constitute a promise or an indication if the rates of return in future periods.

The Investment Deposit comes with a 100% guarantee

If you keep your money in this investment deposit until the end of the deposit period, then we guarantee that at least the principal amount of your deposit is paid back to you.

A bigger share of the increase in the underlying asset can be earned if you opt for an investment deposit with a risk premium and pay an additional 10% as the risk premium. The risk premium gives you the option of doubling your earnings from the price increases of the index, but you have to keep in mind that the risk premium will not be earned back if the price of the index does not increase.

Investment deposits are opened in Estonian kroons, euros and US dollars. Estonian kroons and euros are converted when the deposit is opened and closed using the EUR/EEK exchange rate established by Eesti Pank.

The detailed contract and offer terms of Investment Deposits are available on our homepage and at all SEB branches. You can also make appointments for consultations on the Internet and at branches. Investment deposit contracts can be signed through our Internet bank U-Net and at our branches.

Advantages of investment deposits:
100% capital guarantee

The opportunity to participate in markets that are single investors find difficult to enter

The rate of return may considerably higher than the interest of ordinary term deposits

No holding costs when compared to equities or bonds

The offer is valid until 27 August 2008.