As the choice of underlyings increases we ask a wealth manager and a structured investment specialist distributor about their views about underlying innovation and if the wide variety of indices on offer is making it difficult for end investors to choose the right product.

Clive Moore ( pictured ), managing director, Investment Design & Distribution (Idad) What are the considerations around product and underlying innovation when you are facing a retail end investor? Clive Moore : My overriding concern with innovation is simplicity. There are products out there that I’m happy to sell because they are easy to understand. But there are other products I would be nervous about selling. It’s not necessarily about bringing to the market products that c

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