Because everybody's investment needs are different, structured investment products may not be right for you.
However, they may be right for you if:
- You don't mind the risk associated with the stock market
- You can afford to keep your money locked away for up to five years
- You want to make the most of your tax efficient ISA and SIPP allowances
Nevertheless, as mentioned above, structured investment products may not be for you if:
- You want guaranteed returns
- You may need to access your capital at any time
- You want the option to invest regularly
If you think structured investment products are right for you, see the table for more information on specific products from leading providers.
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).