Wrappers

Opportunities exist for investment managers to package their investment products using structures either provided internally or through third parties. Packaging aims to improve the suitability of the basic investment offering in ways that match the specific requirements of different investors. Examples of wrapper structures include:

Insurance Wrappers

Offered by life insurance companies, insurance wrappers are now globally recognised products and important tools which can be tailor-made to suit the needs of individual clients. The products combine tax efficiency based on tax laws that are favourable to life insurance policies. Insurance wrappers have the advantage of being life insurance policies holding a specific portfolio of assets that mature on the death of the life insured.

Structured Products

Offered by investment banks, structured products can be designed with a great variety of objectives in mind. Examples include yield-enhanced products linked to fixed-income, equity, credit and foreign exchange. These are essentially tailor-made to suit the risk appetite of a single client or group of clients.

Where clients wish to provide product wrappers for their investors, Apache Advisors can arrange options and solutions through its relationships with a number of leading financial institutions that offer these facilities.