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Structured Investments provide an alternative to investment opportunities that are traditionally available to retail investors across all asset classes
They cover a diverse set of investment categories outside traditional bonds and shares and can be considered as having a typically higher risk/ return profile, or other features that provide some complexity to the investment
They are a form of direct investment where the investment decision generally rests with the individual and not a professional funds manager
Some may be "one off" products with limited availability
The benefits of adding structured investments to my portfolio
How do structured products compare to other products?
A standard balanced portfolio is often made up of a mix of cash, fixed interest, property and equities. Many Structured Investment products can be categorised within these asset classes. The key difference is, by taking on some increased risk, Structured Investments can offer the opportunity for higher returns.
The table below illustrates how structured investment products could be allocated within a standard balanced portfolio.
| Asset classes | Cash | Fixed interest | Property | Equity |
| Standard products | Term Deposits |
|
|
|
| Structured alternatives | Performance Deposits |
|
|
|
| % Allocation of a balanced portfolio | 10% | 33% | 12% | 45% |
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