Reaching out



There was a time, back in 2004, when you couldn't walk through the central district of Hong Kong without spotting an advertisement for the latest structured products launch. Retail investors had embraced the concept wholeheartedly, attracted by high initial coupons, relatively short maturities and the potential for outsized returns. And like many investors in the US and Europe, retail customers were not put off by complex financial engineering.

Four years on, and the market looks significantly

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