Structured Products Advice

Structured Products Advice helps you invest in structured products. Together with your adviser, you’ll identify your needs, goals and risk appetite. Based on the resulting profile, you and your adviser will draw up a personalised investment plan to build a portfolio with good diversification across products, maturities and providers.

You’ll subsequently receive proposals that are in line with your plan. Your adviser will clearly explain to you, for each product, how it works, what the potential return is and what risks are involved. Together, you decide whether an investment is suitable.

All investment opportunities selected by ABN AMRO are subject to a comprehensive analysis. Your adviser will discuss the pros, cons and risks of each investment offered with you.

Structured Products Advice is for investors with investable assets upwards of €1,000,000. It’s right for you if you have a medium to long-term investment horizon and understand the features of structured products.

Before you can get Structured Products Advice, you’ll need to take one or more knowledge exams, depending on your chosen risk profile, to assess whether you have a good understanding of the products. It’s important that you fully understand how each product works, its terms and conditions, and the risks involved before making an investment decision.

With our Structured Products Advice, you can choose from various types of structured products. They differ in risk, expected return and the level of protection for your investment.

Capital protection products

With these products, you’ll usually get (a large portion of) your investment back on the maturity date, often between 95% and 100%. Together with your adviser, you choose the level of protection you want.

In addition to this protection, you may be able to achieve additional returns, depending on the performance of the underlying asset(s), such as a share index. If it goes up, you share in the gains. If the index goes down, you’ll receive at least the agreed protected amount back. Some products also pay a fixed or variable coupon throughout the term.

Please note: the protection only applies on the maturity date. If you sell earlier, the value may be lower.

Products with conditional protection (such as autocallables)

With these products, the balance between risk and expected return is different. You can often achieve an attractive return, for example through fixed coupons.

However, there are certain restrictions on what you can do. For example, the product may be terminated early if the underlying asset reaches a certain level. You’ll then receive the amount you invested back, plus the agreed coupon. If the market underperforms, the protection may lapse. In that case, you’ll incur (a risk of) a loss. The protection is therefore 'conditional', i.e. it only applies if pre-agreed conditions are met.

Participation notes

With participation notes, you invest (more directly) in the performance of, for example, a share index or basket of shares. You benefit (in part) from a rise in the market, with the chosen participation rate determining how much you benefit. Sometimes you can participate in the price movements of the underlying asset(s) by more than 100%. The potential for return will then remain the same, but the return may exceed the performance of the underlying asset. If the underlying asset falls in value, the price loss may also be greater. Participation notes offer little to no protection for your investment.

Choosing together what’s right for you

Each type of product has its own balance between risk and expected return. Together with your adviser, you’ll decide which mix best suits your needs, goals and risk appetite.

Structured Products Advice (SPA) exposes you to various risks. There’s market risk, as the value of your investment depends on the performance of, for example, shares or interest rates. You’re also exposed to credit risk in relation to the issuing institution. If this party is unable to meet its obligations, this may affect your investment. There’s also liquidity risk, which means you may not be able to sell a product before maturity, or only at an unfavourable price.

With some products, such as autocallables, there’s a risk of losing your investment if certain conditions are not met. With capital protection products, the return may be limited. Finally, structured products are often complex, which is why it’s important that you understand how they work.

You can read more about the risks of structured products here. 

You should only invest money that you don’t need and that is surplus to your buffer for unforeseen expenses. While investments can be profitable, they’re also associated with risks. You could lose all or part of your initial investment. It’s important to be aware of this. We advise you only to invest in investment products that match your risk appetite, investment objectives and knowledge and experience. We’ve made a list of the most common investment risks for you.

Did you know that our Structured Products Advice service also lets you choose thematic investing? This gives you the opportunity to optimise the balance between risk and return.

Investing with 95% capital protection
With 95% of your capital protected on the maturity date, you can invest with confidence and pursue your financial goals.

Choose themes that suit you
You decide for yourself which themes align with your personal interests and beliefs. This allows you to invest in themes that are important to you, such as technology, healthcare or the energy transition.

Additional diversification within your portfolio
An investment theme can contribute to additional diversification within a portfolio.

Our investment adviser will be happy to explain to you the possibilities of thematic investing.

Regular statements will keep you fully informed about your investment portfolio. We’ll also keep you up to date with the latest market developments. And whenever necessary, your investment adviser will contact you.

• Investment report
  Every quarter, you’ll receive a detailed analysis of your investment portfolio and its performance, either by post or digitally via Internet Banking. You’ll also receive a statement each year for your tax return.
• Annual review
  You and your adviser will regularly review your investment plan to make sure it’s still right for you. Based on this regular review, you can decide together whether to continue along the current path or to adjust your plan
• Investment dashboard
  Our secure Internet Banking platform lets you track your investment portfolio 24 hours a day, 7 days a week.
• Mobile Banking
  Our app gives you anytime and anywhere access to the latest share prices and your investment portfolio on your smartphone or tablet. Find out more about Mobile Banking.
• Comprehensive investment information
  You can access comprehensive investment information, research and calculation tools on our secure Internet Banking platform, on this website and in Financial Focus. Find out more about Internet Banking.

You’ll regularly receive product proposals from your investment adviser to build up your portfolio. You’ll also receive the relevant information describing the product, showing the risk classification and providing transparency on fees. If you agree to this, you’ll submit your investment orders via your investment adviser. Your investment adviser will confirm when an order has been executed.

Advice fee

If you opt for investment advice, we’ll charge you an advice fee. You pay the advice fee based on the value of the investments in your investment portfolio for:

• the investment advice you receive;
• the administration for your investment portfolio; and
• the investment information we provide you.

Good to know

For Structured Products Advice, you pay an advice fee and, in certain situations, other fees as well. We’ll inform you of any applicable fees in advance. You can find more information about all the fees on the fees page. Take a look at the fees.

Statement on adverse sustainability impacts

ABN AMRO MeesPierson takes into account the principal adverse impacts of investment decisions and advice on sustainability factors.

Sustainability factors relate to environmental, social and employment-related matters, respect for human rights, anti-corruption and anti-bribery matters. We adhere to the Sustainability Risk Policy Framework of ABN AMRO Bank NV ('ABN AMRO'). The Sustainability Risk Policy Framework is based, in part, on the various codes of corporate responsibility and on internationally recognised sustainability standards or initiatives to which ABN AMRO has subscribed. In accordance with the Sustainability Risk Policy Framework and international standards, the following principal adverse sustainability impacts are taken into account:

• Breach of the 10 principles of the United Nations (‘UN’) Global Compact
• Controversies
• Carbon emissions as an indicator of climate change

Engagement is used to encourage companies within the investment universe to improve their corporate strategy and performance. This also includes environmental, social and governance (‘ESG’) aspects.

Transparency on adverse sustainability impacts at entity level (PDF, 79 KB)

Transparency on the integration of sustainability risks in Investment Advice (PDF, 375 KB)

In a nutshell:

With Structured Products Advice, you’re not choosing one type of investment, but rather a wide range of structured products that can align with different investment objectives, market expectations and risk profiles. Together with your personal investment adviser, you determine which balance between risk, return and protection is right for you. Ultimately, you decide yourself whether or not you wish to invest in a proposed product.

Capital protection can play an important role in this, but there are also other product types, such as products with conditional protection and participation notes. This enables you to tap into current themes and market developments in a way that suits your personal situation.

The advice continues to focus on building a diversified portfolio with products from international, reputable financial institutions. Regular reports will keep you up to date on how your investments are performing.