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How to Find the Best Structured Products in the UK for Income-Focused Clients
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In today’s lowering-interest rate environment, income-focused investors are increasingly seeking alternatives to traditional savings accounts and unpredictable dividend stocks. For IFAs and financial advisers, helping clients find the best structured product in the UK - one that offers reliable, tax-efficient income with built-in risk management - is more important than ever. Hilbert Investment Solutions latest structured product could be the answer.
So, read on to learn more about structured products, FTSE 100 EW45 Conditional Memory Quarterly Autocall - Issue 39 and how to select the right provider.
Why Structured Products Are Gaining Traction in the UK
Structured products have consistently delivered strong performance across a range of market conditions. According to the Lowes Structured Product 2024 Review, over 96% of maturing structured products delivered positive returns to investors. This is not an anomaly, structured products are designed to perform whether markets are rising, falling, or moving sideways.
Additional data from StructuredRetailProducts.com shows that UK retail structured products delivered an average annualised return of 7.19% in 2024, with only a small fraction failing to deliver gains, reinforcing their reliability and appeal.
Introducing the FTSE 100 EW45 Conditional Memory Quarterly Autocall - Issue 39
Now open for investment as part of our December 2025 Income Series, this structured product is designed to deliver quarterly income of 1.8875% (equivalent to 7.55% annually), even in uncertain market conditions. With features like Memory, capital protection and early maturity potential, it offers a compelling solution for investors seeking conditional but predictable, income and downside protection.
Key Benefits for Income-Focused Investors
Quarterly Income Payments
Receive an income payment of 1.8875% (equivalent to 7.55% p.a.) for each Quarterly Measurement Date that the Closing Level of the Underlying Asset is at or above 80% of the opening level.
- Memory Feature
If an income payment is missed due to market conditions, it can potentially be paid on a future income date.
- Early Maturity (Kick-Out)
If the FTSE 100 EW45 performs well, the plan may mature early. If it does, you will receive the income payment for that quarter and the repayment of your original investment in full (less any agreed adviser fees and withdrawals).
- Capital Protection Barrier
Capital is protected unless the FTSE 100 EW45 falls more than 40% at maturity.
- Defined Investment Timeline
Maximum term of 10 years, with quarterly kick-out opportunities starting from the fourth Quarterly Measurement Date.
Read the plan brochure here and key information document (‘KID’), which the Issuer / Counterparty bank produces, before deciding to invest in this or any structured product plan.
Who is this Structured Product suitable for?
This plan is ideal for:
- Investors seeking alternatives to low-yield savings accounts
- Clients looking to diversify income sources
- Those with ISA or SIPP portfolios aiming for tax-efficient income
| What is a 'kick-out feature'? |
|---|
| The kick-out feature (also known as early maturity) allows the structured product to mature early - before the end of its maximum term - if certain market conditions are met. |
| How It Works: |
| • Observation Dates: Starting from the fourth Quarterly Measurement Date, the product checks whether the FTSE 100 EW45 is at or above its kick-out barrier. |
| • If the condition is met: The product kicks out, returning the investor’s initial capital and any accrued income. • If not: The product continues to the next observation date, repeating the process quarterly until it either kicks out or reaches maturity. |
| This feature offers flexibility, reduces long-term market exposure. |
Not All Structured Products Are Created Equal
Hilbert Investment Solutions has a decade-long track record in the UK, with over 700 structured products launched in France and the UK with a track record for delivering consistent results to investors. This success is driven by a unique combination of innovative product design and deep market expertise.
Making Sophisticated Products Accessible
Structured products can appear complex. However, at Hilbert, we ensure that's not the case with:
- Clear documentation outlining structure, underlying assets and payout scenarios
- Educational resources including guides and always recommending personalised consultations with Financial Advisors
- Scenario examples to help investors visualise potential returns and risks
Our goal is to make structured products accessible without compromising sophistication.
Trusted Partnerships and Institutional Strength
Hilbert works exclusively with leading global investment banks such as Citi, Société Générale, Goldman Sachs and UBS all known for their strong credit ratings and structured product expertise. Each plan is backed by institutions with proven financial strength.
Transparent Fees, No Surprises
Hilbert prioritises fee transparency. Each product includes a clear breakdown of embedded costs and how they may impact returns. There are no hidden charges, what you see is what you get. This commitment to openness ensures every investment decision is made with clarity and confidence.
Confidence Through Regulatory Oversight
Investor protection is central to Hilbert’s product design and distribution. We meet or exceed all regulatory disclosure standards, ensure product suitability through robust client profiling, and stay up to date with evolving regulations across jurisdictions. Advisers and clients can invest with confidence, knowing each product is built on a foundation of integrity and governance oversight.
Recap: Why Hilbert’s FTSE 100 EW45 Conditional Memory Quarterly Autocall Issue 39 Could Be the Structured Product
Your Investors Need
- Flexibility: Potential for early maturity
- Risk Management: Capital protection unless the index falls more than 40%
- Performance Incentive: Designed to benefit investors even in falling markets
- Institutional Strength: Backed by leading banks and custodians
- Transparency: Clear fees, documentation, and regulatory compliance
Important Dates to Remember
- ISA Transfer Deadline: 28 November 2025
- Offer Closes: 04 December 2025
- Strike Date: 05 December 2025
If you’re interested in learning more, please download the brochure or contact the Hilbert team at hilbert@hilbert-is.com.
This blog first appeared on Best Advice Wealth Management.
Disclaimer:
Structured products are complex and not suitable for everyone. Before making any investment decision you should read the Key Information Document (KID) and the brochure in full, so that you understand how the product works, the associated risks, the costs and the possible outcomes.
Hilbert does not provide investment or tax advice. If you are unsure whether an investment is right for you, you should seek professional financial advice. Hilbert’s products are available via a regulated platform.
Your capital is at risk and you may lose some or all of the money you invest. Early encashment may result in a return lower than the amount invested. Tax treatment depends on individual circumstances and may change.
