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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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The balance between the search for yield and risk appetite

It is common knowledge that low interest rates and the availability of government funds to banks have hit savers hard. During a period when people who were worried about volatile markets placed their faith in cash, they have been disappointed by deposit rates. The consensus is that low rates are here to stay for a […]

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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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Are platforms ready to meet client needs under RDR?

As we approach the birth of RDR, independent advisers are preparing for a world where they will be required to offer a wide universe of solutions for their clients including structured investments.. I read with interest Defaqto’s recently published white paper called “Inside Structured Products”. Defaqto worked closely on the study with Investec and it […]

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Beware of steep slopes: The return of structures with leveraged downside.

A lot of water has passed under the bridge since the “Precipice Bond” scandal of nearly a decade ago and the UK structured investments industry has moved on. However, structures with leveraged downside have begun to creep back into overseas markets! http://www.structuredretailproducts.com/blog-story/15513/beware-of-steep-slopes-the-return-of-structures-with-leveraged-downside

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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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FSA Review – poses more questions?

Identifying your target clients and designing solutions to their problems/needs does not sound like rocket science. Nor does having a robust process for testing and bringing them to market and ensuring they do what it says on the tin. Yet the FSA take the view in the final guidance on Retail Product Development and Governance* […]

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