Ask the Experts: Structured Deposits


Question: Would the panel suggest a ‘Structured Deposit' as a safe way of investing?

Answer: Ian Lowe - Lowes Finacial A structured deposit usually involves forgoing the interest that would otherwise be earned on deposit monies, in return for interest calculated by reference to some other measure, such as the performance of the FTSE 100 index. There is of course the risk that a Structured Deposit ultimately produces less interest than an ordinary deposit account, but the capital should be no more, or less secure. As with any deposit, the return of capital is dependant upon the deposit taker's solvency however, as UK deposits are covered by the Financial Services Compe...

To continue reading this article...

Join Professional Adviser

  • Unlimited access to real-time news, industry insights and market intelligence.
  • Stay ahead of the curve with spotlights on emerging trends and technologies
  • Receive breaking news stories straight to your inbox in the daily newsletters.
  • Make smart business decisions with the latest developments in regulation, investing retirement and protection.
  • Members-only access to the editor’s weekly Friday commentary
 Be the first to hear about our events and awards programmes.



Already a Professional Adviser member?


More on Structured Products

Exploring the options for downside protection in a bear market

Exploring the options for downside protection in a bear market

Making the case for diversification through structured products

David Wood
clock 04 January 2023 • 5 min read

Structured product returns fall in 2020 despite continued success

Almost three-quarters generated positive returns

David Brenchley
clock 26 January 2021 • 2 min read

Structured product performance analysis tool launched for advisers

Free for advisers

clock 02 March 2020 • 2 min read