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Structured Products
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Structured Products usually combine a debt security with exposure to an underlying asset, such as equities, ETFs,
foreign currencies, commodities, or a basket of indices. In this regard, they are considered to be derivative
investments.
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Generally, Structured Products can help investors achieve two primary objectives: higher potential returns in a
range-bound market with or without full repayment of principal at maturity, subject, to the credit risk of the issuer, as
well as alternatives for potentially generating higher yields in a low-return environment.
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Market-Linked CD
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Market-Linked CD combines a certificate of deposit (CD) with exposure to other underlying asset classes such as
equities, commodities, currencies or interest rates to create a way for investors to express a market view (bullish,
bearish or market neutral), hedge an existing position or gain exposure to a variety of underlying asset classes.
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Market-Linked CD comes in the form of bank certificate of deposit, the principal is 100% protected against losses
when held to maturity and insured up to applicable limits by the Federal Deposit Insurance Corp.(FDIC), an
independent agency of the U.S. government.
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Key Points:
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- FDIC insurance up to applicable limits
- Principal is 100% protected against losses when held to maturity
- Opportunity to capture income linked to the performance of financial markets
- Diversify portfolio by offering exposure to asset classes that can be difficult to access directly
- May reduce the effects of market volatility within the portfolio.
- May provide enhanced performance and/or above market coupons
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Market-Linked Notes
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Market Linked Note combines some of the features of a fixed-income security, such as full repayment of principal at
maturity, subject to the credit risk of the issuer, with the potential for capital appreciation that can be derived from
different types of underlying assets, including equities. They are designed to return the initial investment at maturity,
subject to the credit risk of the issuer, while providing the opportunity to participate in the gains on an equity
investment. Depending on the specific offering, Market Linked Notes may offer full upside participation, or they
may be subject to a maximum return. In all cases, clients forgo dividends and interest payments.
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Key Points:
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- Opportunity to capture income linked to the performance of financial markets
- Diversify portfolio by offering exposure to asset classes that can be difficult to access directly
- May reduce the effects of market volatility within the portfolio.
- May provide enhanced performance and/or above market coupons
- Some Market-Linked Notes offer 100% principal protection, the amount of initial investment may be protected if
you hold it until maturity.
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IRAs Retirement Plans
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We offer a variety of retirement plan options including: IRAs, Rollover 401(K), business plans such as Individual 401(k),
SEP and SIMPLE IRAs. Different plans have a variety of features, benefits and tax advantages to help you save for your
retirement.
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College savings plans
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Education savings plans can offer a variety of features and benefits including certain tax and contribution advantages.
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