Structured Products in Wealth Management: A Smarter Way to Invest

In an increasingly complex financial world, investors and advisers are turning to structured products in wealth management as a strategic tool to balance risk, enhance returns, and achieve defined outcomes. Hilbert Investment Solutions specialise in delivering structured investments that offer clarity, protection, and performance—tailored to meet the evolving needs of modern portfolios.

What Are Structured Products?

Structured products are pre-packaged investments that combine traditional assets (such as bonds) with derivatives. They are designed to deliver customised risk-return profiles, often linked to the performance of an index, fund or basket of equities.

Hilbert’s structured products stand out for their:

• Defined outcomes.
• Capital protection features.
• Attractive yields, even in flat or falling markets.

Understanding Capital Protection and Risk

Capital protection in structured products typically works through a barrier mechanism – for example, if the underlying asset does not fall below a certain level (e.g. 50% of its starting value), the investor’s capital is protected at maturity.

However, this protection is conditional. If the barrier is breached, the investor may lose some or all of their capital, depending on the product’s terms and the performance of the underlying asset.

It’s important to note that structured products are not risk-free. While protection barriers reduce the likelihood of loss, capital is still at risk, especially in volatile or sharply declining markets.

Types of Structured Products

Hilbert offers two main categories of structured products, each with distinct risk profiles:

1. Structured Deposit Plans (Capital Protected)

• Linked to market performance but do not expose capital to market risk.
• Protected under the Financial Services Compensation Scheme (FSCS) up to £85,000 per eligible client.
• Ideal for cautious investors seeking defined returns with full capital protection.

2. Structured Investment Plans (Capital at Risk)

• Offer higher potential returns but capital is at risk if protection barriers are breached.
• Not covered by FSCS.
• Suitable for investors willing to accept market-linked risk in exchange for enhanced yield.

Why Use Structured Products in Wealth Management?

1. Tailored Investment Strategies

Structured products can be designed to match specific financial goals, risk appetites, and market views—making them ideal for bespoke wealth management solutions.

2. Diversification and Risk Control

These products can offer exposure to non-correlated assets, helping reduce portfolio risk and improve overall resilience.

3. Defined Returns in Uncertain Markets

Hilbert’s “deliberately defensive” approach ensures that many products are structured to deliver returns even when markets are flat or declining.

Hilbert’s Structured Product Offering

We provide a wide range of structured investments suitable for both retail and corporate clients, including:

• Growth and Income products.
• Structured Deposits.
• Bespoke plans for advisers and institutions.

Technology-Driven Wealth Management

Our proprietary Infinity platform offers 24/7 access to plan management, documentation, and performance tracking-making structured products easier to integrate into your wealth strategy.

Conclusion: A Strategic Tool for Modern Portfolios

Structured products in wealth management are no longer niche-they’re an attractive option for investors, when understood correctly, and can effectively complement other investments in a portfolio. With Hilbert, you gain access to expertly designed investments from an award-winning team that prioritise capital protection, defined returns and transparent communication.
Whether you choose a capital-protected deposit or a capital-at-risk investment plan, Hilbert provides the products to invest with confidence.

👉 Explore our current structured product range and start investing with confidence today at www.hilbert-is.com

This blog first appeared on Best Advice Wealth Management.