​Structures

 
Structured products are perfect investment opportunities for high net worth clients with a good appetite for risk-rewards. The structured products that we offer are based on debentures.

How to choose?

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How to choose?

 
Here are some factors to consider when you are investing in structured products:
 
Coupon Rate: This will give you an indication of the returns that you can expect from the investment. Structured products usually come with a 'Maximum Coupon Rate'.
 
Participation Ratio: This refers to the degree to which you, as an investor, will participate in the potential value increase or decrease of the underlying financial instrument. The greater the participant ratio, the greater is the possibility of earning higher/lower returns (depending on market performance).
 
Term of Investment: Consider how long you want to invest your money because structured products are rarely traded after being issued. That means your money is locked in.
 
Rating of Underlying Financial Instrument: The financial instruments that the structured product is based on should be rated highly by independent, industry-recognised rating agencies (like CRISIL, CARE). 

​Structured Products that we Distribute

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Structured Products that we distribute

 
We can assist you in Investments in Structured Products designed by any one of the following institutions:


Reliance Capital Ltd.

​Ways to Invest in Structured Products

Simple way is to invest a lumpsum at once, receive monthly coupons depending on market performance of the underlying financial instruments and then receive the amount invested on maturity.

​Why Invest?

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​​Why Invest in Structured Products?

 

Protects your capital since it is a secured product.

Potential to earn a regular monthly income through coupons.

Diversifies your protfolio by giving you access to alternative financial instruments.

Enables financial discipline to hold the investment until maturity.

Example

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​Example of Structured Product Investment

Mr. Prabhakar's Structured Product Investment

Mr. Prabhakar wanted an investment that would provide a monthly income. He invested an amount of Rs. 1 lakh in a structured product for 2 years.

The value of the underlying financial instrument in the structured product increased by 30% over the 2 year period at a participant ratio of 60%. Therefore, on maturity, Mr. Prabhakar earned the following:

1,00,000 X 30% X 60% = Rs. 18,000

In addition, he received his initial investment amount of Rs. 1 lakh on maturity.

However, in the same case, if the value of the underlying financial instrument fell by 30% at a participant ratio of 60%, Mr. Prabhakar, on maturity, would receive only his initial investment amount of Rs. 1 lakh because the structured product is secured.
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