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| Enjoy the wealth preserving benefits of structured products |
Structured products have become increasingly popular in the last couple of years due to major fluctuations in local and global financial markets. These fluctuations, coupled with emerging market difficulties and general ongoing geopolitical uncertainty, have highlighted the need for investors to diversify into products which can help reduce the risk of their investments.
Risk reduction through capital protection is one of the more attractive features of structured products. They are particularly appealing to investors with a low to moderate risk profile, who are happy to invest for a longer time period, and who don’t want to actively watch their investments.
You don’t have to take risks to realise capital growth
If you are prepared to forgo some of the potential upside in returns for the certainty of capital protection and less downside risk; if you are looking for a degree of protection that doesn’t hinder wealth creation, structured products may be right for you. Benefits include:
- Tailored investment returns
- Defined investment outcomes
- The potential to provide returns in excess of deposit products
- Diversification by way of an index-based return
- Potential Tax efficiencies (CGT vs. Income tax)
- Costs built into the price, so 100% allocation
- Capital protection in most instances
Important notes about structured products
One of the possible outcomes of structured investments is that they return the investor’s original capital at maturity. This inherent capital preservation feature is welcome in adverse market conditions, but the effects of inflation potentially eroding the real value of the capital invested should not be overlooked.
Most structured products are designed to be held until they mature. Selling before maturity may result in investors getting back less than their initial investment, even if the underlying asset has performed well. These investments should therefore only be considered if the intention is to hold them for the full investment term.
Structured products should be seen not as a substitute, but rather as a complement to traditional ‘fund’ investments such as equity funds, fixed income funds, balanced funds and money market funds.
Contact us
As a Wealth and Investment client, you have access to a range of exceptional structured products. Our product suite carries different risk weightings, allowing you to choose the option that best suits your risk appetite. If you would like more information on the structured products currently available to you, please do not hesitate to contact your Relationship Manager or your Wealth Manager. |
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Rubeshni Gungudoo
Senior Manager, Retail Equity Derivative, Global Markets |
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