Simply does it

Structured products have been used as a scapegoat for some of the problems that led to the financial crisis. But Cater Allen, the UK private banking arm of Santander, says transparent products can regain investors’ confidence. Clare Dickinson reports

Fernando Gasca

In a market that is still recovering from the financial crisis, Cater Allen, the UK private banking arm of Santander, is aware of the need to stick closely to the UK Financial Services Authority’s (FSA) new guidelines published in October 2009. “After the FSA report last year, we have focused on distributing products that are very easy to understand. We avoid complex products and prefer to go for plain vanilla,” says Fernando Gasca, senior investment strategist at Cater Allen in London. “We use

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