Structured products are high-performance investment instruments suited to various profiles, although still unfamiliar to some. Their complexity often makes it necessary to seek professional guidance to maximize their potential. Let’s break down how they work, their advantages, and why consulting an investment advisory expert is essential.
What is a structured product ?
A structured product is a hybrid financial instrument designed to achieve specific objectives such as tax optimization or capital protection. It typically combines:
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A bond portion, ensuring capital protection (total or partial).
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A derivative portion, exploiting fluctuations in financial markets (stocks, indices, commodities, etc.).
Each structured product is tailor-made, with specific characteristics: duration, protection barrier, underlying asset, etc.
What are the benefits of structured products ?
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Customization of objectives: They can be tailored to your expectations, whether it's capital security, optimized returns, or controlled exposure to financial markets.
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Capital protection: Some offer full or partial capital guarantees, which is attractive during periods of economic uncertainty.
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Attractive returns: Due to their derivative component, these investments often provide superior performance while managing risk.
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Effective diversification: They are excellent for diversifying your portfolio with a variety of underlying assets (stocks, indices, commodities, interest rates, etc.).
Why go through a professional ?
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Technical complexity: Structured products, with their multiple parameters, can be difficult to understand for an uninitiated investor. A professional will help you decode these subtleties and choose a product that suits your profile.
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Selection of opportunities: The market for structured products is vast. A professional has the tools and experience necessary to select relevant solutions, thus optimizing your financial strategy.
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Risk management: Each structured product carries a certain level of risk, particularly related to the performance of the underlying assets. An expert will be able to assess these risks and incorporate them into an overall investment strategy.
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Monitoring and adjustments: Once the structured product is subscribed, it is crucial to monitor it regularly. A professional can reassess the relevance of your investment based on market developments or your objectives.
Conclusion
Structured products represent a high-performance and flexible investment solution, but their complexity requires specialized expertise. Turning to a professional ensures personalized support and optimal risk management, while also considering tax optimization and tax declaration.