Structured investment solutions includes both customized investment solutions as well as products offered to a wider range of investors.
The product reviews are available in the My Evli online service.
Our structured investments offer a wide selection of products which enables us to create versatile investment solutions tailored for customers. A broad selection of alternative asset classes and investment instruments, from credit risk to commodities, can be used as the products’ underlying assets. The investment solutions are based on transparent and clear return structures, and efficient diversification is offered by index-based, passive underlying assets. The investment solutions are implemented competitively, issued by Evli or provided in a tailored manner with Evli’s global partners. The investments are based on securities.
The product reviews are available in the My Evli onlineservice.
Evli's documents related to its own issued products and brochures of other issuers during the offer period.
The main risks associated with structured investment products are briefly described below. The risks presented are not ranked in order of importance and do not constitute a comprehensive description of the risks. Risks may vary from product to product, so become acquainted with the product marketing material before making an investment decision.
For products without capital protection, the investor bears the market risk associated with the underlying asset. Market risk is the risk that the underlying asset of a product will perform in a way that is unfavourable to the terms of the product. If market risk materialises, the investor may lose all or part of the nominal capital invested. There can be no guarantee as to the future performance of the underlying asset. The value of the underlying asset may fluctuate during the investment period and fluctuations in the value of the underlying asset will affect the value of the product. An investment in a certificate is not the same as an investment directly in the underlying asset.
Issuer risk is the risk that the issuer will become insolvent and unable to meet its obligations to investors under the product. In this case, it is possible that the investor may lose all or part of the nominal capital invested or may not receive a return in accordance with the terms of the investment. Therefore, when making an investment decision, the investor should pay attention to the financial position and creditworthiness of the issuer. For the purpose of assessing the issuer's risk, information on the issuer's financial position is set out in the prospectus. During the life of the investment, a deterioration in the issuer's creditworthiness may reduce the value of the investment and an improvement in the issuer's creditworthiness may increase the value of the investment.
The product is always sold in the secondary market before maturity at the current market price, which may be higher or lower than the nominal amount invested. We therefore recommend that the products are primarily an investment that is held for the full maturity of the investment. The market price of a product during the maturity period is influenced by factors such as the performance of the underlying asset, general interest rates and the credit risk of the issuer.
Liquidity risk may arise if an investor wishes to liquidate the product in the middle of its maturity. The risk is that no buyer can be found for the product or that the price offered for the product is lower than its real value, for example due to exceptional market conditions. The investor may therefore incur losses when selling the product on the secondary market. In principle, the issuer provides a daily repurchase price for the product under normal market conditions, but cannot guarantee a secondary market.
Interest rate risk is the risk that movements in interest rates will affect the value of an interest rate investment over the life of the investment. When interest rates rise, the value of the interest component of the product generally falls, and when interest rates fall, the value of the interest component of the product generally rises.
In certain specific cases, the issuer / calculation agent may, under the conditions set out in the terms and conditions of the product, amend the terms and conditions without the consent of the owner of the product. There can be no guarantee that the above changes will not be unfavourable to product holders. The issuer may also, in the specific cases set out in the terms and conditions of the product, redeem the product before maturity, including as a result of a material change in legislation. In the event of such early redemption, the investor may not receive the full amount of the capital invested or any return.
Tax risk is the risk that changes in the tax treatment of the product or its income during the investment period may affect the net return to the investor. The investor is responsible for any tax consequences associated with the product and must assess the potential tax consequences himself and, if necessary, seek the advice of a tax adviser.