We define a Structured Product as, 'An investment backed by a significant counterparty (or counterparties) where the returns are defined by reference to a defined underlying measurement (such as the FTSE 100 index) and delivered at a defined date (or dates)'.

As a simple example, a 'capital at risk' structured product might offer a return of, say, 51% on the investment if the FTSE 100 was at the same level or higher on the day the product matures in 6 years time. If the FTSE 100 is below that level it will return the original investment amount, unless it is more than a specified amount below, say 40%, whereupon capital would be reduced by the equivalent fall in the FTSE 100.

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