Tag Archives | Client needs

Where to put your structuring teams?

One of the challenges that any financial institution faces is finding the best place in the organisation to locate the retail structured investments team. The position of the team is important because it can help to maximise sales, manage costs, mitigate risks and better meet clients needs. If your company has it’s risk management, product […]

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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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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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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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Structured product use set to grow in 2012

Research carried out by Money Management and due to be published in the June edition, showed that advisers expect clients to put more money in structured investments products in the next 12 months. FT Adviser reported that almost a third of respondents said they don’t intend to use the products over the coming year. However, […]

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Surveying client needs

Most companies will regularly canvass their clients views on proposals for new products. They will also obtain feedback on their existing services. This approach makes perfect business sense and defining and testing your target market is now a regulatory requirement from the FSA. Structured Investment Solutions can enable you to gain a deeper understanding of […]

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