Tag Archives | Regulatory

Regulator calls for a fresh approach to rising red tape

Andrew Haldane who sits on the Financial Policy Committee and is the Executive Director for Financial Stability at the Bank of England has called for the simplification of the rule book, starting afresh. With a strategic review rather than the historic piece-meal approach that has generated a “steadily rising tide of red tape”. Structured investment […]

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What to do with the legacy book?

Over the last few years, the number of structured solution providers has reduced as banks, building societies and brokers pull back from the market. As a result there are a number of legacy books of business that will need to be serviced by those firms no longer offering structured products. Over the last few years, providers […]

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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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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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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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What structured investments are

An investment that pays a return based on the performance of an asset. The asset may be an equity, index, fund, bond, currency, commodity or property market. The term of the investment can run from one month to ten years or more. The rationale for investing in those assets being that historically they have outperformed […]

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