Advisers need to improve knowledge of struc prods

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The current financial climate has resulted in growing uncertainty regarding the use of structured products. With once-trusted institutions hitting serious difficulties, consumers are increasingly concerned about the security of their investments; advisers need to be well-informed on the differences between the types of structured products available.

Generally, structured products have a valuable place within any investment portfolio. This is particularly true in instances when a client is looking for a particular yield, or is looking to hit a specific target - or targets - at a fixed point in time. The most common examples of these financial goals might be the provision of school fees, university fees, or a planned early retirement. However, these structured products - as with many other financial service offerings - are not without their risk, and both adviser and client need to be very selective about the choice of product and pr...

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