Structured Product Guide

There is no single best investment platform as each offers different levels of fees and service typically based on the size of your portfolio. Also, not all the funds you may wish to invest in may be available through your chosen platform and you should check first as to the breadth of your choice and that it matches your requirements; your adviser will be able to assist you should you be unclear. How to disinvest Structured products are designed to be held for their full terms, or until the occurrence of an early maturity event. However, it is possible to surrender a structured product holding before it matures. To surrender a structured product holding, investors should contact the product provider who will provide an indication of the product’s current value. An early surrender could still give rise to a positive return, but investors will usually have to pay an early surrender charge (the exact amount varies between providers) which will erode returns. This process of disinvestment can take between one and two weeks and the valued could change over this period from that previously quoted. With a fund-based investment it is a much easier process and you should instruct your investment platform provider or adviser that you wish to realise all or part of your investment.

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