Structured Products
Structured notes and kick-out plans for expat investors in Thailand: defined returns from leading global banks, capital protection, autocallables, choosing a strong issuer and planning your term.
returns
global banks
in Thailand
Guides in this section
View all Structured & Alternative Investments guides →
Structured Notes Explained
How a structured note is built and what it pays.
Read the guide →
Capital Protection: Conditions and Limitations
What "protected" really means — and when it doesn't.
Read the guide →
Autocallable Notes Explained
Kick-out plans, coupons and barriers.
Read the guide →
Issuer Credit Risk in Structured Notes
Why the bank behind the note matters.
Read the guide →
Structured Product Liquidity and Early Exit
Getting your money back before maturity.
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Structured Products at a Glance
The main types of structured product available to expat investors — what each is designed to do, who it suits and what to look at when choosing.
Read Structured Notes Explained →| Option | Type | Cost to you | Best for | Key thing to check | Read Guide |
|---|---|---|---|---|---|
| LStructured notes with Lawrence (JLIT) | Notes from leading global banks | Free first conversation | Choosing the right note for your goals | Ask how any ongoing advice is paid for | Read → |
| AKick-out (autocallable) plan | Snowball coupon — currently up to 13.56% a year | Costs built into the terms | Flat or rising markets | Barrier level and issuer | Read → |
| PCapital-protected note | 100% of capital back at maturity plus growth | Costs built into the terms | Cautious investors and retirees | Hold for the full term | Read → |
| GGrowth (participation) note | A multiple of an index's rise | Costs built into the terms | Investors expecting growth | Any cap on gains | Read → |
| IIncome (Phoenix) note | Quarterly memory coupon — currently 9.72–9.85% a year | Costs built into the terms | Retirees wanting income | Income barrier level | Read → |
| DStructured deposit | Bank deposit with index-linked interest | Built into the rate | Very cautious savers | Return can be modest | Read → |
General guidance compiled October 2026. Returns and protection depend on each note's terms and the issuing bank; read the key information document before investing.
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Choosing a structured note
Frequently Asked Questions
View all FAQs →What is a structured product?
An investment issued by a major bank that pays a return linked to an index or shares according to a fixed formula agreed at the start — often with protection for your capital.
What are structured notes paying now?
Notes arranged by Lawrence in the last six months have offered up to 13.56% a year on US dollar autocalls, 13.12% on sterling autocalls and 9.72–9.85% a year of quarterly income on Phoenix notes, with capital returned unless the worst of the S&P 500, Euro Stoxx 50 and Nikkei 225 falls 30% or more. Coupons are conditional.
What is a kick-out or autocallable plan?
A note that pays back your capital plus a fixed return as soon as an index is at or above a set level on an anniversary — the index doesn't need to rise.
Is my capital protected?
Fully protected notes return 100% of capital at maturity; barrier notes return it in full unless the index ends below a level such as 60%. Protection is provided by the issuing bank.
Who issues structured notes?
Major banks such as HSBC, BNP Paribas, Barclays, Citigroup, Morgan Stanley, Credit Agricole and Goldman Sachs.
How do I invest?
Use the enquiry form on this page. Lawrence, a British expat in Thailand with more than 30 years in international finance, will talk you through the notes available now.
Important: This guide is general information, not personal financial advice. Fees, limits and eligibility change; we check every figure on the date shown, but always confirm the current terms with the provider before you apply or travel. Some links on this page may be affiliate links, which means JLIT may earn a commission if you open an account — this never changes the price you pay.
