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Isn’t it time you had a proper look at structured products?

20/01/2020 … Author:

Lowes Financial Management has been at the forefront of the evolution of the UK structured investment sector for over twenty years, during which time we have played a significant role in helping shape the sector for better investor outcomes.

If you are an investor who hasn’t yet discovered structured products, we would encourage you to do so as they certainly warrant proper consideration.  The UK retail sector has now evolved to provide a regular supply of predominantly straightforward, competitive solutions, with easy to understand outcomes, offering attractive potential returns, linked to the FTSE 100 Index.

In addition to evaluating every new product launch and publicly identifying which ones we ‘Prefer’ and as such, are prepared to utilise in client portfolios, Lowes produce an annual review of the sector, covering all maturities in the previous year. The 2020 review, which also compares the performance of the Lowes ‘Preferred’ products will be published shortly and you can be amongst the first to obtain a copy.

To give you a flavor of what the sector has returned, the final quarter of 2019 saw 82 retail structured investments and 21 structured deposits mature.  Of these, 18 investments and 5 deposits were publicly identified as ‘Preferred’ by Lowes at the time of launch.

The table below shows the performance of the Lowes ‘Preferred’ structured products that were most commonly held by Lowes clients. As every product shown was linked to the FTSE 100 Index and as it makes interesting reading, we have also shown the performance of the index over the respective investment periods.

 

Provider

Maturity date (2019)

Duration (years)

FTSE 100 change over term

Plan gain

Investec (deposit)

15/10

6

10.02%

30%

Mariana

21/10

3

2.04%

21%

Morgan Stanley

11/11

6

8.92%

60%

Walker Crips

16/12

2.5

0.74%

17.50%

Société Générale

16/12

3

7.24%

22.65%

Walker Crips

16/12

2

0.38%

17%

Mariana

16/12

3

7.24%

21.90%

Société Générale

16/12

3

7.24%

27.90%

Walker Crips

23/12

2

0.41%

14%

Walker Crips

23/12

2

0.41%

12.60%

Meteor

23/12

2

0.41%

17%


Source Lowes, CompareStructuredProducts & Yahoo Finance

If you would like to obtain a copy of the Lowes Structured Products Annual Performance Review either give us a call on 0191 2818811 or visit by clicking here

If you would like to talk to a Lowes Consultant, to learn more about structured products and our unique approach to investment management, or any other financial matter, please do not hesitate to contact us.

 

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