结构性产品：对应您的各种投资需要
希望灵活性和机会兼得？通过多元化的结构性产品，瑞联银行为您在传统金融资产之外，开拓具吸引力的另类投资工具。
结构性产品优点多
结构性产品是在直接投资于金融资产以外的另类选择。由于可调节性高且定制选项多样化，因此能够根据您的风险概况并针对具体需要，运用广泛的证券以反映您对这些相关资产市场前景的不同预期。
当您选择了解决方案以满足特定投资需要之后，瑞联通过所建立的开放式架构，让您直达15家符合我们量化和质化筛选准则的领先结构性产品发行人，确保将您的投资意念妥善地实践，而瑞联专家将全程提供支援。
接着，我们在整个产品运作期积极为您监察，从而持续优化您的投资。
结构性产品灵活度高
瑞联结构性产品能够将投资意念，转化为可实行且优点多的投资方案：
改善资产配置
善用结构性产品可以优化您的投资组合之策略性资产布局。
扩大资产覆盖面
结构性产品让您在没有提高投资组合整体风险的情况下，加码投资于风险资产，也可以藉此加入与所持有资产表现相关性较低的新资产类别，从而提升在市场和类别层面的投资分散度。
战术性把握投资机会
您可以运用结构性产品快速进行短期战术性操作，例如押注于某一市场趋势或受益于市场事件。
瑞联结构性产品系列
我们提供五类投资方案配合您的目标和所属意的风险及回报水平：
这防御性较强的结构性投资方案适合寻求不论市场表现，仍然能够在产品到期日全数或在最大程度上取回预先协定的投资资本，从而实现保本的投资者。
增益型结构性投资方案为愿意放弃相关资产的一些上涨潜力，从而换取定期获得息票收益的投资者而设。由于在符合预定条件下，增益型产品投资者通常可以全数赎回投资额，这下行缓冲特点使此类结构性产品所附带的亏损风险，通常较直接投资于相关资产为低。
参与型结构性产品让投资者以较佳方式参与相关资产价格变化的机会，例如借着加强下行缓冲以使投资风险较直接投资于相关资产为低，或是通过杠杆操作将回报潜力放大。
信贷挂钩产品让投资者通过承担产品发行人和其相关债务人可能发生信贷事件的风险，以获得比传统债券投资为高的回报率。
这杠杆产品通常被称为认股权证，让投资者能够以较少资本把握相关资产上行或下行的机会以获利。
瑞联团队
我们的资深专家深谙多样化的结构性产品，并依托逾200位内部投资专家的强大后盾。
团队成员数目
12
平均年资
15
管理资产规模
40亿瑞士法郎
Team Head
Jeremy Bellaïche, 全球结构性产品主管
12.07.2024
Sustainability: an increasingly important consideration for wealth management
In early 2023, Nicolas Barben was appointed UBP’s Group Head of ESG Solutions within the Wealth Management division. We spoke to him about the role of regulation, the evolution of client interest in sustainability, and the performance of sustainable solutions, as well as his top priorities.
11.07.2024
UBP House View - July 2024
Equity markets rallied during the first half of the year, driven by earnings growth, a macro backdrop that was more resilient than expected, and continued appetite for AI winners (the “Magnificent 7”). Looking ahead, we anticipate a broadening of equity markets’ leadership. Read more about our insights in the July edition of UBP’s House View.
10.07.2024
Finnish ex-premier addresses UBP clients
17.06.2024
2024 US elections comes into view
Our experts examine the tumultuous US election landscape and historical market behaviour during election years, as well as anticipate the fiscal challenges awaiting the next president amidst record-high US federal debt levels.
14.06.2024
UBP's Strategic Vision of Pure-Play Private Banking in Southeast Asia
Hubbis met with Eric Morin recently to learn more about UBP’s current momentum in Southeast Asia, the bank’s key focus areas, his strategic priorities, and his vision for the future of private banking in the region.
12.06.2024
Structured products: a strategic solution
Structured products have changed a great deal, after a long period in which they were treated with a degree of scepticism by investors, and as a result of tighter regulations. Although the number of clients using them remains very (too) small, they are likely to play a growing role in asset allocation strategies.
11.06.2024
“Forget unrestricted market access to Europe”
The CEO of wealth management bank Union Bancaire Privée is focused on growth through acquisitions.
Glossary
结构性产品是高度灵活且高效的工具，几乎可以满足任何投资目标，而且与传统投资工具不同，它们还可以在下跌或横盘震荡的市场中取得正回报。
结构性产品是为满足传统投资工具无法实现的特定风险/回报和/或多元化要求而设计的。它们的结构可以根据大多数资产类别进行结构调整，为直接投资提供了一个量身定制的选择。因此，它们非常适合根据客户的需求和偏好来量身定制解决方案。
可以针对所有收益类别（保本、增强收益、参与、杠杆）和所有资产类别（股票、固定收益、外汇、大宗商品）设计产品。