Any good structured products?

I have taken the position that structured products are bad for consumers. They have high charges and marketing expenses, that eat away the return to the investor.

Someone made a statement that I am not familiar with structured products: they guarantee no capital loss, and allow the investor to make a good gain. He said that it is a "free lunch".

This is how the products were marketed. In think that the actual experience over the past years had been unsatisfactory. In spite of the strong stockmarket, the return on most structured products have been disappointing.

I am not aware about any structured product that have produced a good outcome for the investor.

Do you have any past experience of the structured products? Were you happy or unhappy with your investment? Please send an e-mail to me, at kinlian@gmail.com.