A Guide to Retail Structured Products 2024

Structured product performance – the proof in the pudding

Through our review service - StructuredProductReview.com - we analysed the 629 structured products that matured in 2023 and found that 96.7% of all products generated positive returns for investors. Lowes’ own list of ‘Preferred’ plans identified 118 ‘Preferred’ products delivering an average annualised return of 6.28%. The table below gives a high level summary of our findings.

Lowes ‘Preferred’ Plans

All Products

Structured Product Maturities

629

Number of Product Maturities

118

608

Number of Products that Generated Positive Returns

114

15

Number of Products that Returned Capital Only

1

6

Number of Products that Lost Capital

3

3.14

Average Duration / Term (Years)

3.87

Average Annualised Returns

6.90%

All Capital-at-Risk Products

6.54%

10.08% 3.63%

Upper Quartile Lower Quartile

9.39% 2.61% 4.61% 5.38% 3.93% 6.28% 9.19% 2.16%

3.07%

All Deposit Products

4.81% 0.71% 6.51%

Upper Quartile Lower Quartile

All Products

9.91%

Upper Quartile Lower Quartile

2.84%

Source: SPR Five-Year Performance Review 2024

Much more information on our individual product review service and on our Five-Year Performance Review can be found here.

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