Build your own structured product

Paul Burgin says growing numbers of advisers and wealth managers are building their own bespoke structured products

Retail structured products offer access to capital guarantees and index-linked upside. In auto-callable format, they allow investors to take profit and switch to other vehicles as market conditions change. They also have their disadvantages. Firstly, retail products are built to attract the maximum number of investors. In the UK market, that means simple structures, typically 100% capital guarantee and usually only one index – usually the FTSE 100. Access to other indices or asset classes is often limited. The marketing apparatus surrounding retail issues is also costly. Brochures, pr...