UKSPA Guides

UKSPA Guide to Risk Ratings for Financial Advisers

UKSPA Risk Ratings will no longer be in use from January 2018.

The UKSPA Risk Ratings are designed to help you compare different structured products available to UK investors. These ratings reflect both the market risk and the credit risk of a product, giving you the tolls you need to match products more closely to your clients' needs. This guide explains in detail how the UKSPA Risk Ratings are calculated, includes some illustrating of how they work in practice and provides answers for some frequently asked questions. Please note that this guide is intended for use by financial advisers only.

You can download the guide here.

You can view a breakdown of all UKSPA members product risk ratings and product codes by visiting the Future Value Consultants (FVC) website.

UKSPA Guide to Professional Indemnity and Structured Products

This report was commissioned by UKSPA to understand the impact that the use of structured investments and deposits has on the terms and conditions, as well as the premiums, for firms looking to secure their Professional Indemnity (PI) cover. It also contains tips and guidance for firms regarding the level of record keeping and information that brokers or insurers will require in order to undewrite you if you have used (or intend to use) structured products.

You can download a copy of the report here.

UKSPA Guide to Structured Deposits for Consumers

UKSPA, together with TISA (the 'Tax Incentivised Savings Association'), has produced a guide for investors who are considering investing in a structured deposit. This simple, easy-to-understand 4-page document guides readers through how a structured deposit works, the investment risks and the potential benefits of investing in a structured deposit. It is not meant to replace any investment brochure for a particular structured deposit. Instead, consumers should read this guide alongside any product-specific materials, to make sure that they understand the main features of how structured deposits work.

You can download the guide here.

UKSPA Stress Testing Best Practice for Member Firms

Our members are committed to following high standards of governance around the manufacture, promotion and distribution of structured products to UK retail investors. This document provides a 'best practice' for stress testing structured products that our members can use, identifying a common set of parameter inputs and thus allowing for greater comparability or results across the Industry. This document acts as guide only and is intended for information purposes only.

You can download the guide here.

UKSPA Guides
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