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The return from equities comes in two forms: dividends and capital growth. Dividend payments are the distribution of the profits that the company has made, usually paid out twice a year. You’re more likely to receive dividends from larger, long-established companies, the more profitable it is, the larger the dividend payout could be. Smaller companies are less likely to pay out a dividend as they reinvest their profits to grow their business. However, if a smaller company succeeds, the value of your shares could increase. You can make a profit if you sell your shares for a higher price than you paid for them. This provides you with capital (the money you invested to begin with) growth.
A structured investment program will vary depending on the risk tolerance of the individual investor. Structured products involve various exposures to fixed income markets and various derivatives. This is why structured investment programs are specifically created to meet the investors needs. Conservative investors will have a higher exposure to the fixed income markets, whilst risk-tolerant investors will have a higher exposure to derivatives and equities. Structured produces are often used as an alternative to a direct investment or to allocate assets in a portfolio against risk exposure