Structured products

WHAT IS THIS? Structured products are investments that have multiple components. For retail investors, the most common form is a bond plus an option – these tend to be standardised, sold in small tickets and large volumes. Managing the risks of large structured products portfolios is one of the biggest challenges dealers face.

Locking in principal protection

Merchant Capital is offering UK investors an at-risk growth product linked that locks in capital protection should the daily closing be at or above 110% of the initial level. Morgan Stanley is the issuer.

A complex payoff

The Royal Bank of Scotland has created a complicated retail structured product based on volatility for the Australian market and teamed up with National Australia Bank to help with distribution. Capital for the seven-year product is protected at maturity…

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