Latest / The High Net Worth Podcast with Fexingo: Wealth Management, Tax Strategy, and Affluent Finance
How Ultra-Wealthy Families Use Structured Notes
Lucas and Luna explore how ultra-high-net-worth families use structured notes to customise risk and return. They break down a real example: an 18-month note linked to the S&P 500 with a 14% downside buffer and a 12% cap, offered by a top-five global bank. They explain the mechanics, the issuer credit risk, and the liquidity trade-offs. They also discuss why family offices allocate 5-15% of portfolios to these instruments, and how structured notes differ from buying options or ETFs. The episode includes a specific case: a $10 million note used by a single-family office to generate yield while…
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