Lifting the bonnet on structured product design


Ian Lowes, founder of, says concerns over complexity should not blind advisers to the benefits of using structured products in retail client portfolios.

An investment came to my attention recently, the advert for which offered the seemingly perfect combination of high income with capital growth. The offer read: “This investment aims to achieve a reasonable level of income, together with capital growth … [it] intends to invest primarily in companies listed in the UK, with the balance invested internationally. [The investment] may include ... transferable securities, money market instruments, warrants, collective investment schemes.”  Further down, it added that the investment “may include derivatives ...

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