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JPM Efficiente USD Index104.98
S&P 5001,109.55
Dow Jones Industrial Average10,462.77
DJUBS Commodity Index135.62
SGI Fed Model US Index796.92

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Frequently Asked Questions

How is a structured investment developed?
Every structured investment is constructed differently, but many of them rely on the same basic concepts. Frequently, the financial engineering involves the replication of a zero coupon note and an option component that has a payout at maturity, thus giving the structured investment its particular risk and return profile. Employing options provides leverage and facilitates a variety of types of risk and return profiles. top of page

If my investment is principal protected, who guarantees that the principal will be paid back?
A principal protected note is an obligation of the issuer that issued the note. In the case of a bankruptcy of the issuer, the note holder would be repaid at a rate equivalent to other senior unsecured debt holders of the firm. Principal protected notes are not FDIC insured. A structured Certificate of Deposit issued by a bank is generally insured by the FDIC up to $250,000 per depositor, subject to FDIC rules. top of page

Would an issuer want the index underlying a structured investment to go up or down?
Those who construct structured investments typically seek to design investments that enable investors to realize the maximum possible return given their market view. As such, they often do not take an active view on the structured investments they sell. Instead, an issuer typically hedges its exposure to the underlying reference asset as completely as possible and is therefore indifferent to the appreciation or depreciation of a structured investment underlying reference asset. top of page

What if an investor wants to sell a structured investment? Can an investor profit by actively trading them?
Once issued, structured investments will generally trade at a discount to their value at issuance due to the embedded distribution and hedging fees included in the original issue price. Structured investments, when not listed, are typically not intended to be actively traded instruments and are intended to be held to maturity. The value of the investments will not directly correspond to the underlying reference asset, and investors may not receive the expected payout if they sell their investments prior to the stated maturity date. top of page

Are there any special tax considerations?
The tax treatment on structured investments varies with each risk and return profile and depending on the investor's tax situation. Structured investments are often engineered to receive the most advantageous possible tax treatment. However, investors should contact their own accounting, legal and tax advisors for additional information. top of page

What should I do if I would like to know more about structured investments?
Please contact your Financial Advisor and/or Tax Consultant and consider:

  • Structured investments are not suitable for all investors.
  • Structured investments are intended to be buy and hold investments. The secondary market for these securities may be limited.
  • This site has been designed principally for informational purposes and no information on the site is to be considered an offer to sell or a solicitation of any offer to buy any securities or any other instruments.
  • Offers and sales of any of these securities or instruments may only be made pursuant to the related offering document which should be read carefully.
  • Investment value prior to maturity will be influenced by many factors, including interest rates, the level of the underlying reference asset, implied volatility and the time remaining to maturity. Investors may lose some or all of their investment in connection with some of these instruments.
  • This communication is not intended to provide accounting, legal or tax advice or investment recommendations. Investors should contact their own accounting, legal or tax advisors for additional information. Information on this website is subject to change.
  • StructuredInvestments.com endeavors to maintain the information as current and accurate but undertakes no duty to update information or to supply corrections. top of page
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