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Structured notes

Designed to give clients a steady return.

Why deVere?

Exclusive Products

deVere can offer a comprehensive range of structured products via life insurance wrappers.

We have unique relationships with some of the world’s leading providers.

As a result, many of our products are exclusive to deVere clients and cannot be found anywhere else on the market.

Now even easier to use.

The drawing power of structured notes

They provide a level of downside protection, while allowing the client to benefit from upswings in the market.

Structured products offer the investor a high degree of capital protection at the end of the term, in addition to a return on the amount invested.

This can either be via regular income payments or if certain indices have not breached a set level, by a lump sum.

The benefits:

  • Accessible minimums
  • High capital protection
  • Regular coupon payments
  • Low-risk exposure
  • Flexible investment withdrawals
  • Lower fees
  • Exposure to stock exchanges
  • Real-time portfolio tracking

What are structured notes?

Designed exclusively for deVere clients by some of the world’s leading financial institutions. This low-cost investment app gives you the opportunity to invest in fixed yield products and other select funds, that can help you secure your long-term financial objectives at a fraction of the cost of most platforms in the market.

Investment term

Typically fixed term investments.

Linked to stock exchanges

They are linked to the performance of another asset. All notes offered by deVere are linked to stock exchange indices.

Designed to give a steady return

They are designed to give a steady return whilst offering exposure to stock markets.

Protection barrier

This is the protection level a client receives if the investment loses value.

1. Create a diversified portfolio
2. Low-cost investment strategies
3. Opportunity for regular income
4. Flexible cash withdrawals
5. High capital protection

How do structured notes work?

Designed exclusively for deVere clients by some of the world’s leading financial institutions. This low cost investment app gives you the opportunity to invest in fixed yield products and other select funds, that can help you secure your long-term financial objectives at a fraction of the cost of most platforms in the market.

Step I

Typically, a structured note will invest in the three best indexes in the market at the time.

Step II

At the time of the investment, the index prices are set at 100% mark.

Step III

A predetermined protection barrier is set, e.g. 65%. If it drops there, payout is triggered.

Step IV

The strike level is the % that triggers a coupon payment e.g. 80%.

Step V

Observation dates are set throughout the life of the investment to check performance.

Step VI

A coupon is paid if the index is above the strike level on the observation date.

Structured notes in practice

Quarter 1

On the observation date of Q1, the index is at 97%. This is above the barrier of 80%, so a coupon is paid.

Quarter 2

On the observation date of Q2, the index is at 116%. This is above the barrier of 80%, so a coupon is paid.

Quarter 3

On the observation date of Q3, the index is at 76%. This is below the barrier of 80%, so no coupon is paid.

Quarter 4

On the observation date of Q4, the index is at 100%. This is above the barrier of 80%, so a coupon is paid.