Finding the right investment is often not easy. This is especially true in times of low interest rates and in sideways trend for stock markets. A look at alternatives can therefore be worthwhile.
An Express certificate from UniCredit onemarkets usually refers to a share or a share index. During the term, early redemption with positive income is possible on regular key dates (express). This is the case if the price of the underlying on the respective observation date closes at least on a price set at the start of the term (early redemption level).
If there is no early redemption, at the end of the term the integrated barrier partially protects against falls in the price of the underlying and ensures the repayment of the nominal amount. The barrier level is determined at the beginning of the term.
Express Certificates are aimed at investors who assume that the price of the underlying will rise slightly during the term and will not fall below the barrier at the end of the term.
You can find our range of HVB Express Certificates here:
If there is no early redemption of the nominal amount, there are three scenarios at the end of the term.
In the event of bankruptcy, i.e. over-indebtedness or insolvency of the issuer, there may be losses up to total loss of the invested capital.
The following graphic shows an example of the redemption profile of a HVB Express Certificate
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