Proper diversification and risk management are the essential elements of a sound investment strategy. When properly implemented in a portfolio, nontraditional investments such as structured products can help lower overall portfolio risk and potentially increase returns.

What are structured products

Structured products are flexible financial instruments that generally combine many of the characteristics of a bond with certain features and risks of the structured product’s underlying asset. Like a bond, a structured product is issued by a corporation, usually an investment grade financial company, and is subject to the credit risk of the issuer. Unlike a bond, a structured product is linked to an underlying asset and may offer some or all of the upside growth as well as the downside market risk of the underlying asset. Regardless of its features, all payments on a structured product are made by its issuer, and if the issuer is unable to pay its obligations when due, investors may lose some or all of their investment. When properly incorporated into your portfolio, these products can offer the opportunity to reduce market risk, enhance potential returns and enhance portfolio diversification. For additional information on structured products risks, please visit (PDF, 129 KB).

Mindful of all of these specific considerations, Findley Wise Wealth Management offers a full range of solutions for addressing your needs today and into the future. For more insight on how to select appropriate investments for your portfolio, we welcome the opportunity to discuss how we can successfully work together to help you achieve your goals.

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