Structured Products

Structured products are a combination of derivatives and traditional financial investments such as stocks or bonds.

Over the last 20-30 years, they have developed into innovative and flexible investment instruments that offer an attractive alternative to direct financial investments (such as stocks, bonds, foreign exchange, etc.). In this context, derivative financial instruments refer to one or more underlying assets (e.g. shares, bonds, interest rates, exchange rates, credit risk). 

Historically, Structured Products were issued by banks, which meant that the investor who bought the Structured Product also had an issuer risk with said bank. The recent past has shown that banks can get into turmoil and that exposure to some banks can be risky.

With the Opus concept it is possible to decouple the credit risk of the issuer from the structured product: Opus is the issuer and as an SPV has no credit risk. The money is invested with a so-called reference debtor.