Date: 12/24/2012
Author: Sheyna Steiner

Structured Notes to Replace CDs?

Another year of low rates on certificates of deposit could push even more savers toward structured notes, a recent survey found. The nonscientific survey asked almost 100 finance professionals what they think of structured notes, which are derivative-linked debt securities. The survey was conducted in October by Incapital, an underwriter and distributor of fixed-income products.

To read the full article, visit www.bankrate.com/financing/cd-rates/structured-notes-to-replace-cds.



The investment products discussed herein contain unique risks, terms, conditions and fees specific to each offering. Depending upon the particular investment product, risks may include, but are not limited to, issuer credit risk, market risk, the performance of an underlying derivative financial instrument, formula or strategy, and foreign currency risks. Return of principal may not be guaranteed and may be subject to credit risk of the issuer or the performance of a derivative instrument, formula or strategy. Additionally, unless otherwise specified in the particular offering documentation, the products discussed herein are not FDIC insured, may lose value, and are not bank guaranteed. You should not purchase an investment product or make an investment recommendation to a customer until you have read the specific offering documentation and understand the specific investment terms, conditions and risks of such investment. A copy of the official statement and other offering information may be found at the SEC’s EDGAR as related to securities offerings. Incapital will also provide copies of the relevant offering statements upon request. Incapital does not offer or sell investment products to individual investors. Investors should consult with their financial professional prior to investing any money in these or other products and carefully review the disclosure statement or other offering documents.

This material may include certain representations, projections and comparisons concerning particular investment products, markets or indices. Such representations, projections and comparisons may not reflect the opinions of Incapital and may not be accurate either now or at a future date. Consequently, you should not rely on such representations, projections, comparisons or other opinions in purchasing an investment product or making a recommendation to a customer. Current and future economic and other market events concerning an investment product or an issuer thereof may cause the information provided herein to be incorrect. Past performance is not indicative of future results and should never be relied upon in making an investment decision or recommendation. This material may not have been authored or officially authorized by Incapital, its employees or an affiliate thereof.