Time for structured products to plug in?



Investors seeking structured products online through execution-only services are poorly served. The situation is unlikely to change overnight when the Retail Distribution Review comes into force, writes Paul Burgin

The bulk of off-the-shelf structured products are sold under advice and the industry is still grappling with how to serve investors who fall through the Retail Distribution Review (RDR) advice gap. The removal of commission under RDR will be good for structured product terms. RDR-compliant products will have more capital protection, upside or both. Marc Chamberlain, executive director of Morgan Stanley IQ, believes 30% greater upside will be achievable. Adrian Neave of Gilliat Financial Solutions agrees. He says low volatility in the markets currently hampers providers’ attempts to of...

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