If you want an investment product that incorporates elements of capital protection with the potential for stock market linked returns, then structured investment products could be right for you.
Structured investment products may also be right for you if:
- You can afford to keep your capital locked away for between 3 and 6 years
- You want a defined return
- You want a fixed term investment
However, structured investment products may not be right for you if:
- You think you may need instant access to your capital
- You do not want the risk of stock market linked products
- You want a guaranteed rate of return
See the product table above to help you make your mind up about structured investment products and whether they are right for you.
The safety of your original capital depends on the ability of the counterparty (the institution providing the underlying assets, rather than the product provider) to repay your investment at the end of the term. You can assess the strength of a counterparty, and therefore the relative risk to your investment, by comparing their credit rating score, from AAA to D, using a credit rating agency such as Standard & Poor's (www.standardandpoors.com) or Fitch (www.fitchratings.com).