Issue 131

INVESTMENT

Structured product maturities As an Independent Financial Advice firm, Lowes is able to select the best investments and products from the whole of the market without restriction. Furthermore we are able to offer exclusive plans on terms better than the mainstream market. One of the benefits of this has been that Lowes has become a recognised expert in structured products, an investment vehicle that, with few exceptions, has produced positive returns for our clients year after year. Below is a table of the Q2 2024 maturities for structured products selected by Lowes, most commonly used for clients’ portfolios. As you’ll see, more than a few of the products were developed in cooperation with Lowes, using our expertise, or were an exclusive offer negotiated for Lowes clients. All of them were autocalls and matured at the first opportunity, on their second anniversary from launch. Gains ranged from 14% to 20.5% over two years. While past performance is no guarantee of future returns, we have proven structured products can deliver value as part of a diversified investment portfolio.

Maturity date

Term (years)

Gain (%)

Counterparty

Société Générale

19/04/2024 22/04/2024 22/04/2024 22/04/2024 22/04/2024 22/04/2024 07/05/2024 07/05/2024 17/05/2024 03/06/2024 10/06/2024 10/06/2024 11/06/2024 17/06/2024 17/06/2024 17/06/2024

2 2 2 2 2 2 2 2 2 2 2 2 2 2 2 2

14 14

* * * *

Citigroup

Morgan Stanley Morgan Stanley Goldman Sachs Morgan Stanley

18.8 14.8

17

15.6

* *

BNP Paribas

16

Citigroup Barclays

14.5 16.4

*

Morgan Stanley

17

HSBC

14.5

*

Citigroup

16 15

Credit Agricole Morgan Stanley Morgan Stanley

20.5 16.5 15.5

* *

Citigroup

* Developed in cooperation with Lowes or exclusive for Lowes clients. Adviser and intermediation fees apply. All utilised FTSE 100 or its very close ‘cousin’ the FTSE CSDI as underlying measure and outperformed the performance of the respective index with the exception of the last where the index recorded an additional 0.55% gain.

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