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Free guide to Structured Products

Guide Magazine

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, 65% on the investment if the FTSE 100 was at the same level or higher on the day the product matures in 5 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 50%, whereupon capital would be reduced by the equivalent fall in the FTSE 100. is a free service created by Independent Financial Advisers, Lowes Financial Management. Here you will find information on a wide range of retail structured products, including brochures and application forms completely free of charge. It will also provide you with the facility to invest directly, without the requirement to take advice. Our transparent fee structure ensures that you always know the cost of your investment and, where applicable, we will provide you with the facility to invest with a discount / uplift.

What you won't find here

The sort of deposit based, low yielding stockmarket linked bonds that 'guarantee' to return your capital.

What you will find here

The sort of products that are typically only available via Independent Financial Advisers.


The former are usually only available through banks and building societies and, in part due to the impact of a competitive market, the latter usually offer a risk-reward profile that we feel is more beneficial to the investor.

What are they?

Learn more about these investments.

Investing through

We have an extremely competitive fee structure that allows you to invest in structured products through us without receiving financial advice. Our fee for acting as intermediary for investments made through and where no advice has been sought or given is 1.65% of the amount invested, and we offer discounted fees for investments over £100,000. If you have any doubts about the suitability of an investment for you, the discounted fees offered by should not deter you from seeking financial advice.


Register Now

This is not compulsory, but we'd like to send you an email once a fortnight with links to new 'Preferred' plans launched in the last two weeks. Also receive a free guide to Structured Products.

Guide Magazine

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