Why we recommend structured products

Alistair Creevy, Independent Advisers (Scotland) As part of a clients’ diverse portfolio, structured products are useful in providing income for a set number of years where the client is prepared to take some risks. They are often used for pension assets under SIPPs to protect growth. I tend to allocate about 10% of a client’s total income in this way where it is appropriate to do so. In the case of pensions, assets might be higher where people want exposure to the FTSE. This is great because even in the worst case where there is no growth over five years or so, my client still will...