Introduction
Structured products have had an unstable time in the market.
It has received its fair share of criticism, which has resulted in consumers, and some advisers too, finding it difficult to have a clear view of how the product works and consequently how to incorporate them effectively within a portfolio.
In addition, their role in the collapse of the global financial system in 2008 left them with a number of reputational bruises.
Concerns have also surfaced in the past few years, too, but at the same time there are those who would advocate its use, as regulation has tightened.
This guide we will look at the history of structured products, how they have evolved, the risk and benefits and what part they can play in a low return environment.
This guide is worth an indicative 60 minutes of CPD.
Contributors: Nick Johal; director at Dura Capital, Chris Taylor; global head of structured products at Tempo, Ian Lowes; managing director at Lowes Financial Management, Richard Harry; director at Best Price Independent Financial Advisers, Scott Gallacher; director at Rowley Turton Private Wealth Management and Graham Bentley; managing director at GBI2.
