Structured Product  

Guide to structured products

  • Describe how structured products have evolved
  • Identify the risks associated with structured products
  • Identify the benefits of structured products
CPD
Approx.60min
Guide to structured products

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.

In this guide

CPD
Approx.60min

Please answer the six multiple choice questions below in order to bank your CPD. Multiple attempts are available until all questions are correctly answered.

  1. Research from Structured Product Review, found that of the 381 retail structured products that matured in 2018:

  2. According to Nick Johal what are the main risks attached to structured products?

  3. What was the aim of the FCA’s review into structured products?

  4. True or false, structured products are a variable-term investment vehicle that is linked to an index such as the FTSE 100.

  5. What was one of the main criticisms that the FCA made about structured products?

  6. According to supporters of structured products, how should they be used?

Nearly There…

You have successfully answered all the questions correctly, well done!

You should now know…

  • Describe how structured products have evolved
  • Identify the risks associated with structured products
  • Identify the benefits of structured products

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