Reading between the lines
Falling interest rates, increased volatility and uncertainty in the markets has resulted in a rush to offer investors capital protected products.
There are many variations on the theme but most products provide similar features:
1. A guarantee of the return of all (or percentage) of your capital at a fixed date in the future
2. Fixed periods of time, typically 5-7 years
3. 100% investment loans
4. A return linked to an index or to a high
