Structured Notes

Structured notes offer institutional investors many benefits. They provide principal protection at maturity while still offering investors the opportunity to participate in the growth potential of equity, fixed income, or specialty markets. We can customize a variety of structured solutions to meet your specific requirements. Whether your goal is to enhance the yield on a fixed income portfolio or gain access to equity markets, we can design a solution that is tailored to meet your unique needs.

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Consider the benefits offered by structured notes

  • Allows investors to add market exposure with no risk to principal
  • Complements both traditional fixed income and cash portfolios
  • Provides access to investments in markets they would not normally be able to obtain
  • Diversifies holdings between financial institutions and returns
  • Municipal investor eligible investments

Seven key features of deposit notes

1. Capital preservation

100% principal protection at maturity

2. Diversification

Can be linked to a wide variety of asset classes and products including equities, interest rates, indices, ETFs, and mutual funds to increase the potential for a higher overall portfolio return from multiple market sources.

3. A variety of investment terms

Generally offered in terms of three years or longer to create extended portfolio duration. But daily liquidity and customizable call features allow for a short-term investment that will provide a strong return.

4. Income and growth

Can be designed to generate regular income, long-term growth, or a combination of both including a minimum guaranteed return.

5. Government portfolio eligible 

Structured notes are bonds produced by a financial institution and are considered senior debt of the issuing bank carrying their same credit rating. They are an eligible investment under the Municipal Act, the Trustee Act, and the Education Act.

6. Liquidity

Daily secondary market liquidity to sell your holdings at any time with no penalty fee, creating the potential to realize gains prior to maturity and cash out early if needed.

7. Customizable

Structured notes are highly customizable and can be structured specifically to meet your exact return, maturity, and risk needs.

In summary, structured solutions are municipal eligible investments that are a compelling alternative to a traditional bond, GIC, and HISA based portfolio, providing increased income, liquidity, and diversification. Their ability to be highly customized allows us to build a product just for you, providing a higher payout with no additional risk to your principal and full liquidity.