Structured products are investments that provide you with the potential opportunity to earn a higher return than those offered by conventional fixed deposits. These products have returns that can be linked to the performance of an underlying benchmark such as interest rates, equity markets, commodities, corporate credits or foreign exchange markets.
For example, an S&P 500 equity-linked note has a return linked to the performance of the S&P 500 index. The greater the return of the S&P 500 over the life of the note, the better the return on the S&P 500 equity-linked note.
A common feature and benefit of many structured products is the protection of some or all of the capital you invest. A capital protected structured product protects a portion (typically 100%) of your invested capital, and is an ideal way to link an investment or deposit with the performance of global financial markets with little or no capital risk.
Overall, structured products can be an attractive addition to your portfolio as they give you the flexibility to tailor an investment structure to meet your specific financial objectives—taking into consideration such factors as your goals, risk tolerance and time horizon.
You have the ability to tailor an investment structure to meet
your specific investment objectives, taking into consideration
such factors as your goals, risk tolerance and horizon.
You are also able to incorporate non-standard features into
these investments, including capital protection, exposure to
less accessible markets and/or indices, options and swaps.
Some of these additional features may carry extra risks or
charges, which you should discuss with your private banker.
Explore Our Structured Products
We offer a diverse range of structured products, including:
- Structured Notes
- Alternative Investments
- Foreign Exchange-Linked Structured Deposits
- Tailored Structured Solutions
Talk to Us
Discover how we can help you preserve and build your wealth through a range of structured products. Contact Us
Products and Services referenced in this page are provided by various RBC Financial Group companies based in different jurisdictions. Potential clients should note that the regulatory regime, including any compensation or investor protection arrangements, may well be different from their home jurisdiction. You should carefully read any regulatory disclosures contained in any literature forwarded to you by RBC Wealth Management's international offices. Depending on your citizenship and residency, these products may not be available to you or may only be available from certain RBC Financial Group companies. For example, some Guaranteed Structured Deposit Accounts are only provided by RBC Financial Group subsidiary companies which only do business in Guernsey and Jersey, and are not available to citizens and residents of the USA.
The value of investments may fall as well as rise and investors may not get back the amount originally invested. Potential investors should seek appropriate advice before making any investment decision.
The term 'structured products' refers to a group of financial instruments with varying terms, payout and risk profiles on a range of underlying assets. Structured products fall into broad categories, are non-standardised and bespoke, and usually invest in a variety of underlying assets such as shares, debt securities, commodities or mutual funds.
Frequently the investments are achieved by embedding derivative products on indices. They can also utilise gearing and leverage, which increases the risk of the investment. The percentage price movements will be greater than those of the underlying asset. Whilst many structured products have a level of capital protection, not all do so. Your capital may fall below the amount you put in. This loss may significantly increase if the product structure involves gearing or leverage. The rate of return may depend on specific conditions being met. If you take your money out early, you may get less than you put in. Where a structured product note has a level of capital protection, this is normally only effective at the maturity of the note.
