Product 'tweaking': Colin Dickie on structured products

No doubt protection is central to their appeal, but I would argue advisers are also attracted by the ease with which products can be matched to investors' specific requirements. Fixed rate products are particularly popular at the moment, as investors fret over market uncertainty and the low return offered by deposit accounts. Income products are also filling a gap in the market as investors concede that, in order to get above cash returns, they need to accept a degree of risk to their investors. However, even with the myriad permutations of products available in the market, there a...