Hope for the new year

Happy New Year Last year was probably the most challenging year for structured products in Europe for a long time. According to www.structuredretailproducts.com, sales across the Continent  fell by a third as compared with the 2011. The same story is true for the investment industry as a whole as providers and distributors prepare for new regulations […]

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Challenging year, time for the important things!

This has probably been the most challenging year for structured products in Europe for a number of years. According to www.structuredretailproducts.com, sales across the Continent have fallen by a third since last year. This pattern has been repeated in the UK where new reported volumes have fallen back to just over £6 billion. The last time […]

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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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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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Advisers need more cash solutions!

A survey from Investec, reported in Financial News, has revealed that advisers need more cash products. Over the last five years, cash deposits and money market funds have benefitted from periods of market volatility. This is understandable, as these assets offer protection of capital (subject to credit worthiness and/or deposit protection schemes) and some income, […]

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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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