Structured products need a fair review, say experts Go compare with our comparison table

Structured products need a fair review, say experts

15 August 2010 / by Lois Avery

Structured products are often dismissed by investors because of ‘misinformation and misrepresentation’ according to an industry website.

StructuredProductReview.com has acted to tackle the problem by bringing together financial advisers, both pro and anti structures, to debate the subject.

Ian Lowes, founder of StructuredProductReview.com, has urged advisers to no discount structured products when dealing with a client’s investments.

They are often avoided for fears that they they are risky and complicated.

He said: "They are mainstream products and should be presented as such.

"However, the seemingly constant mis-information and lack of understanding of the products in various quarters often misrepresents what can be an extremely beneficial investment solution.

"StructuredProductReview.com believes what is needed is a full industry debate to bring the issues into the open and tackle them once and for all.

"We are exploring the opportunity to bring together trade bodies such as the Investment Management Association and the Structured Product Association, members of the press, and commentators and critics on both sides of the debate for this kind of event."

The UK Structured Products Association (UKSPA) recently hit out at the IMA after one of their experts crisitcised structured products saying they were ‘opaque’ and do not allow investors to know where their money goes.

But the UKSPA responded saying they were disappointed by her ‘outdated’ view on structured products.


The statement from the UKSPA added: "We suggest that the IMA should stop being intimidated by investments that are not funds and, instead, join the UK Structured Products Association in its efforts to promote the benefits of a diversified investment portfolio which should include a range of complementary products."

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 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Planyes

10%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 1, 2, 3, 4, 5 or 6. If the plan matures early it will return 10% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Defensive Kick-Out Planyes

7.75%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 3, 4, 5 or 6. If the plan matures early it will return 7.75% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
Kick Out Deposit Planyes

3%

per annum

Up to
6 years
More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 3% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
FTSE Defensive Kick Out Planyes

7.30%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 7.30% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
4 Year Deposit Planyes

12%

at end of term

4 yearsMore Info >
4 year capital protected structured deposit plan which aims to return 12% if the FTSE 100 is higher. Also available for Cash ISA and ISA transfer.
6 Year Defensive Deposit Planyes

24%

at end of term

6 yearsMore Info >
6 year capital protected structured deposit plan which aims to return 24% if the FTSE 100 is higher than 95% of Initial Level. Also available for Cash ISA and ISA transfer.
FTSE Step Down Kick Out Planyes

7.30%

per annum

Up to
6 years
More Info >
Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 7.30% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
Retirement Deposit Planyes

3.75%

per year, plus 22.5% at end of term

6 yearsMore Info >
6 year capital protected structured deposit plan which pays 3.75% annually from capital with a potential 22.5% at the end of the term if the FTSE 100 is higher. Available for Cash ISA and ISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.