Structured Products:

Investments created to meet specific needs that cannot be met by off-the-shelf products. Often these are hybrids of several investment vehicles involving a capital guarantee, which limits the potential losses but also limits the potential gains.

Some of these policies need investigation by a professional (IFA) as often the protection is a lot more complicated than it first seems and this type of product may be riskier than they appear.

The values cannot be guaranteed and can go up as well as down.

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