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The most successful capital-guaranteed investment product in the world this year has been BancoPosta’s Mix. Mix guarantees a 5.5% gross annual return for the first two years of its five-year life, then for the next three years investors get a return linked to the best-performing 20 stocks in a basket of 20 Eurostoxx names. The guaranteed return over the five-year life of Mix is anything between 17% and 40%. It’s a great product for the small investor who believes stock markets are going to

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