After more than three years of bear market conditions, the appetite for products at the lower end...
After more than three years of bear market conditions, the appetite for products at the lower end of the risk spectrum has greatly increased as investors look to get their portfolio back on firm foundations.
But despite the relatively attractive proposition offered by corporate bond funds at present, they are obviously not the sole option for the risk-averse investor.
With just under 250 products issued to the end of April, compared to 306 over the course of 2002, structured products are making a serious play for the low-risk pound.
Despite general praise for the structured products recently launched by large players such as Insight and HSBC however, projected returns for many of the plans coming up to maturity over the next few months make grim reading.
Based on research from Chelsea Financial Services, not one of 11 structured products maturing before the end of August will make investors a profit, with only the two that initially guaranteed to do so set to return initial capital.
For more on the range of lower-risk products currently available, see the June issue of Investment Strategies.
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