Simple payoffs and short terms remain popular as investors play it safe

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Good things come in threes, so the saying goes, which may be why Gilliat Financial Solutions, Incapital and Barclays have launched three products each in the past two weeks. Gilliat offered a trio of products featuring a choice of growth, income or deposit, while Barclays issued two more editions of the annual kick-out Defined Returns Plan 85 and 100 and the July 2010 edition of its emerging markets optimizer.

The most interesting and innovative use of the FTSE 100 index came from Incapital

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