有人了解structure notes 和 sturcture CD吗

理财
#1

我认识的一个CFA提供了几个选项，大家看一下，给点意见：

Income notes

#1.1

Issuer: Barclays
Underlying: The worst of NDX / RTY / INDU
Maturity: 1.75yr. No call for 3m. Callable quarterly after 3m. Auto Call
Coupon: 9.05% per annum contingent coupon subject to 70% coupon barrier, observed and paid quarterly
Principal: 70% contingent protection barrier observed at maturity, 1:1 return if below barrier
Trade date: 09/17/2020

Deadline to submit order : 09/17/2020 11AM EST
CUSIP: 06747QJ24
Term sheet: Attachment 1.1

#1.2

Issuer: Credit Suisse
Underlying: The worst of NDX / RTY / SPX
Maturity: 1.75yr. No call for 6m. Callable quarterly after 6m. Auto Call
Coupon: 7.25% per annum contingent coupon subject to 65% coupon barrier, observed and paid quarterly
Principal: 65% contingent protection barrier observed at maturity, 1:1 return if below barrier
Trade date: 09/18/2020

Deadline to submit order : 09/18/2020 11AM EST
CUSIP: 22552WL60
Term sheet: Attachment 1.2

#1.3

Issuer: Goldman Sachs

Underlying: The lesser of SPX / RTY / NDX

Maturity: 5yr. Snowball coupon, subject to annual auto call.

Coupon: If on any annual review dates the index is above the initial value(95% of the initial value for the last review date), the note will be auto called and the corresponding call premium amount (8.00% step each year) will be paid.

Principal: 65% contingent protection barrier observed at maturity, 1:1 return if below barrier

Trade date: 09/25/2020

Deadline to submit order : 09/25/2020 11AM EST

Cusip: 40057CSV4

Term sheet: Attachment 1.3

Growth Notes

#2.1

Issuer: Credit Suisse
Underlying: The worst of RTY / NDX
Maturity: 1.5yr. subject to semi-annual auto call
Coupon: If on any semi-annual review dates (other than the last review date) the index is above the initial value, the note will be auto called and the corresponding call premium amount (10.00% step each year) will be paid.
Principal: 200.00% uncapped upside participation at maturity if index return is positive,​ 70% contingent protection barrier observed at maturity, 1:1 return if below barrier.

Trade date: 09/25/2020

Deadline to submit order : 09/25/2020 11AM EST

CUSIP: 22552WHA6
Term sheet: Attachment 2.1

#2.2 Goldman Sachs leveraged Growth Note

  • 5yr note linked to the lesser of SPX / NDX / INDU

  • 65% contingent downside protection barrier observed at maturity, 1:1 return if below barrier

  • 140.00% uncapped upside participation at maturity if index return is positive

  • Trade date: 09/25/2020

  • Deadline to submit order : 09/25/2020 11AM EST

  • CUSIP : 40057CRD5

  • Term sheet: Attachment 2.2

#2.3 BNP leveraged Growth Note

  • 5yr note linked to the lesser of RTY / NDX / INDU

  • 70% contingent downside protection barrier observed at maturity, 1:1 return if below barrier

  • 150.00% uncapped upside participation at maturity if index return is positive

  • Trade date: 09/25/2020

  • Deadline to submit order : 09/25/2020 11AM EST

  • CUSIP : 05600FUA5

  • Term sheet: Attachment 2.3

Structured CD

#3.1 BMO Harris Bank Structured CD

  • 7yr structured CD linked to BMOICI5 (BMO Core Investor 5% Target Volatility Index)

  • 100% FDIC insured principal protection at maturity

  • 100.00% uncapped upside participation at maturity if index return is positive

  • Trade date: 09/25/2020

  • Deadline to submit order : 09/25/2020 11AM EST

  • CUSIP : 05600XBA7

  • Term sheet: Attachment 3.1

都看上去如何呀， 有什么要注意的吗

#2

都是结构类产品，大意都是一笔钱投进去，银行（或者投资机构）拿大部分存起来，剩下小部分去买期权博收益。
LZ问上面的产品怎么样，不如问你买的到底是什么。你认真读一读上面这一堆细则，就大概明白了。这几个产品收益都是和特定的指数走势挂钩，涨的时候加倍涨，跌的时候有保护。看你自己的喜好了

#3

一般这种产品要怎么买呢？

#4

找cfa买或者他可以推荐别的渠道

我觉得这种产品就是有一个好处，就是downside protection，而且他的对冲可以买到个人买不到的更有优势的产品，比如我上面复制粘贴的几个，下跌35%都可以100%刚性兑付， 上涨还可以1.4X甚至2x倍数上涨，另外也有fixed income类型的，也有下跌别保护

#5

关注下zszs