The right investment products depend heavily on your capital, risk exposure appetite, market knowledge and experience. Structured notes are complex and are typically used by institutional investors to diversify a larger portfolio – they may not always be suited to retail investors or those newer to the markets. Risk vs reward ratios are heavily varied and can be poor compared to conventional or direct investments with a clearer risk profile. Issuing banks produce profiles and examples to demonstrate the upside potential and downside protection. These marketing materials may not illustrate the possible disadvantages and limitations enough to provide less experienced investors with sufficient information to make informed decisions.