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Nisa boost for structured deposits and investments

The recent UK Budget increase in the maximum annual contribution to tax efficient New Individual Savings Accounts (Nisa) to £15,000 should be good for investors in structured deposits and investments. Last week, Skandia announced that they are adding a cash Isa to their platform and increasing the rate they pay on cash deposits. These changes […]

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Can the LSE deliver more for structured investors?

Historically, the leading retail structured investment markets have been Germany and Switzerland where they benefit from listing on innovative local exchanges. The London Stock Exchange (LSE) has listed structured investments and covered warrants for a number of years now, but how does it compare with overseas competitors? Structures have been listed on exchanges internationally since […]

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Industry benchmark required!

In my last blog I called for more performance data, which will still be welcome. However, to make structured investments truly comparable, an industry benchmark is needed. The recently published principles from the European Securities and Markets Authority (Esma) and the European Banking Authority (EBA) on benchmarks will lead to greater scrutiny but the increase […]

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More performance data please!

I was pleased to see Gary Dale (Is there any value in structured products?) publishing performance numbers for his firm’s structured deposits and investments on this web site last week, especially as the numbers demonstrated positive returns, both in absolute and relative terms to deposit rates. One of the long held criticisms of structured investments […]

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Are traditional funds opaque too?

I was pleased to read that Bill McQuaker, head of multi-asset funds at Henderson Global Investors was quoted by FTAdviser.com as saying that the criticism aimed at structured investments is unfair, especially given that traditional funds hold them without the same level of scrutiny as our industry. Mr McQuaker commented that “one of the key elements, […]

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Taxing times for all!

At a recent structured products conference I spoke at, John Redwood, the former Conservative Government minister who was speaking about ETFs, expressed surprise at how much attendees talked about tax! I was not surprised, it makes perfect sense that products designed to meet the needs of private investors should take into account tax. Some individuals […]

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Open Ended Funds, Open Goal?

Traditional funds in the UK tend to be open ended and yet they form a minority of structured investments, which usually have a fixed term. Given that many wealth managers are comfortable with open ended products, platforms find them easier to accommodate and the regulations can be more flexible, is the structured investments industry missing […]

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Where next for interest hedging by SMEs?

In June 2012, the FSA published the findings of their review into the sale of interest rate hedging products to small and medium sized businesses (‘SMEs’). The FSA “found that when properly sold, in the right circumstances to the right customers” hedging products “can protect customers against the risk of interest rate changes.” However, they […]

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Former Skandia head starts SP consulting firm

Story from StucturedRetailProducts.com 2012 © Former Skandia head starts SP consulting firm 15 Jun 2012 Philip Bastiman (pictured), the former head of structured products at Skandia Investment Group, has re-emerged in the structured products market as managing director and founder of his own firm, Structured Investment Solutions Limited. Bastiman told SRP that Structured Investment Solutions […]

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Risks of Structured Investing

Whilst there are many benefits of structured solutions, there are also risks associated with purchasing them that often mirror those of other investments. Below is a table showing some of the risks that might be associated with a structured investment and some potential mitigating factors. Investors who are not sure whether a structured investment is […]

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