News and Articles
Why Hilbert’s Structured Products Stand Out in a Crowded Investment Landscape
.png&w=1920&q=75)
In today’s complex financial environment, investors are increasingly seeking solutions that offer a balance between risk management and attractive returns. Structured investment products have emerged as a compelling option, and Hilbert Investment Solutions is at the forefront of this innovation. But how do Hilbert’s offerings compare to traditional investment vehicles like mutual funds, ETFs, and bonds?
Let’s explore.
What Are Structured Products?
Structured products are pre-packaged investments that typically combine a bond with a derivative component. They are designed to deliver customised risk-return profiles, often linked to the performance of an underlying asset such as a stock market index, basket of equities or funds.
Hilbert’s structured products are particularly known for:
- Defined outcomes: Investors know the potential return and risk parameters from the outset.
- Capital protection features: Many products include barriers that protect capital unless the underlying asset falls below a certain threshold.
- Attractive yields: Some of our current products offer returns of up to 9% per annum, even in declining markets.
Hilbert’s Product Highlights
Two standout offerings from Hilbert include:
FTSE 100 EW45 Defensive Semi-Annual Autocall
- Linked to the FTSE 100 EW45 Index
- Offers 9% p.a. potential return
- 50% capital protection barrier
- Early maturity possible every six months after year three
Allegro Super Defensive Annual Autocall Deposit
- Linked to the Allegro Transatlantic Fund
- Also offers 9% p.a. interest
- Autocall trigger drops 5% p.a., from 100% at Year 3 to 65% at maturity (allowing a 35% index fall).
- Deposit-based, reducing capital-at-risk
These products are issued in partnership with Societe Generale, a globally recognised investment bank, and benefit from Hilbert’s expertise and proprietary Infinity platform for 24/7 plan management.
As with all investments, capital is at risk. Investors may lose some or all of their original investment.
| Feature | Hilbert Structured Products | Mutual Funds | ETFs | Bonds |
|---|---|---|---|---|
| Return Potential | High (up to 9% p.a.) | Moderate (market-dependent) | Moderate (index-linked) | Low to moderate |
| Capital Protection | Conditional (barrier-based) | None | None | Full (if held to maturity) |
| Liquidity | High | High | High | Moderate |
| Customisation | High (tailored to investor needs) | Low | Low | Low |
| Transparency | High (predefined terms) | Moderate | High | High |
| Counterparty Risk | Yes | No | No | Yes |
Who Should Consider Structured Products?
Hilbert’s structured investments are ideal for:
- Growth or Income seeking investors looking for conditional but predictable returns
- Cautious investors who want downside protection
- ISA and pension investors seeking tax-efficient growth
However, they may not be suitable for those who are uncomfortable with counterparty risk.
Why Hilbert?
Hilbert Investment Solutions has built a reputation for:
- Award-winning innovation in structured products
- Client-centric design with clear, jargon-free documentation
- Robust partnerships with top-tier banks and custodians like Bank of New York Mellon
- Strong performance track record, including top-ranked products in the UK
Final Thoughts
While mutual funds, ETFs, and bonds remain staples of many portfolios, Hilbert’s structured products offer a compelling alternative for investors seeking tailored outcomes, enhanced returns, and capital protection. As with any investment, it’s important to assess your risk tolerance, investment horizon, and financial goals.
For those looking to diversify intelligently and invest with clarity, Hilbert’s structured solutions may be the missing piece in your portfolio. Please contact the team at hilbert@hilbert-is.com for more information or visit our Structured Product page for details of our latest solutions.
