Structured Products

Old Mutual International provides access to a range of structured products, which meet set criteria aimed at providing value, transparency, and simplicity.

The structured products are provided by leading third parties and are available as an investment choice within our Old Mutual International portfolio bonds.

Your financial adviser can help you decide if structured products could help you meet your investment goals. They’ll be able to help you choose from the range of products we offer, or from other structured products available from the wider market.

What are structured products?

Structured products may interest you if you are looking for investment growth or income with performance linked to an underlying index, for example FTSE100, but also want some protection against losing your capital.

Structured products usually offer some conditional capital protection which means that your capital is protected if the underlying asset, to which the performance is linked, does not lose more than a pre-specified amount.

It's worth remembering of course that 'protected' is not the same as 'guaranteed'. No investment is ever 100% secure. In certain circumstances (for example, if the company providing the investment becomes insolvent), you may lose some or all of your money.

Even if you are confident about the security of the protection, you need to weigh up the cost of these products with the benefits they can provide and what you are hoping to get out of your investments, for example, how much risk you are willing to take, whether you need a regular income, and whether you need access to your capital.

Before making any investment decisions you should discuss your investment needs and risk appetite with your financial adviser. Past performance is no guarantee of future returns. The value of the investments and the income from them can go down as well as up and you may get back less than you invested. Where a transaction involves more than one currency you may be exposed to the risk of currency fluctuations.

If you think structured products may be of interest to you please speak to your financial adviser.