 FAQ
 Outstanding products
Order our brochure
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| What is my investment objective and how do I expect the market to perform? |
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You expect the underlying (such as a share or an index) to trade within a certain range in the future.
Additionally you want to have a predefined repayment guaranteed if the underlying does not fall at or below a specified barrier.
You do not want to invest in a leveraged product (like warrants, for instance) but neither do you want to miss out on a possible rally.
Furthermore, you are looking for a product, which offers the prospect of an above-average return.
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| Which product fits my needs? |
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Yield Plus Units give you the opportunity to receive a high coupon and to secure your repayment if the underlying does not fall
at or below a specified barrier. In return for this "benefit" the maximum gain on your investment is limited by a cap.
Yield Plus Units are based on two transactions: selling a knock-in put option and making a deposit.
Due to the combination of two transactions in one product you can decrease your transaction costs.
On expiry there are the following possible outcomes:
If the price of the underlying security has never touched or fallen below the
barrier between issue date and expiry date you will receive the nominal amount plus the coupon at the repayment date.
If the price of the underlying security has touched or fallen below the barrier you take delivery of a predefined number of underlying
securities per unit at the repayment date plus the coupon (in case the final fixing price of the underlying is below the strike price)
or receive the nominal amount plus coupon (in case the final fixing price of the underlying is equal to or above the strike price).
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| I am willing to accept the following risks |
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If the share or index underlying of the Yield Plus Units declines, the value of the Yield Plus Unit decreases.
Yield Plus Units entail similar risks to equity investments. If the underlying has touched or fallen below the
barrier and closed below the strike price at expiry date you take delivery of the respective security
and run the risk that the security will be trading lower in the market.
Investments in derivative products involve particular risks. Interested persons should contact their financial advisor before investing in such products.
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| Do I have to pay taxes on this product? |
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No stamp duties and no Swiss withholding tax at issuance of the product. The interest part is subject to Swiss income tax.
Tax laws and regulations of the tax authorities are subject to change.
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| Do I have to open an account at Banca del Gottardo to buy this product? |
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No. You can buy our Yield Plus Units from your bank.
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| I am an American citizen. Can I buy this product? |
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No. The products of Gottardo Financial Solutions may be bought by Swiss residents only. Further, they are not available to US persons. See our disclaimer for further details.
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| Do I have to hold this product to maturity? |
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No. Yield Plus Units can be bought and sold at any time during their lifetime.
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| Where can I find current prices of this product? |
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Quotes for this product are published on our website and in some Swiss newspapers.
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| What happens when I take delivery of the underlying security delivered on expiry? Do I lose everything? |
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No. Instead of the certificate you hold the security in your portfolio. You can now sell
the underlying in the market. You run the risk that the security will be trading lower than the price at which it was delivered (strike price).
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Important legal information - Please read the disclaimer before proceeding.
This website is not intended for persons in jurisdictions in which (for reasons of residence, nationality or other reasons) the publication of or access to the site is not permitted.
Persons subject to these restrictions are therefore not authorised to access this website. Products and services shown on this website may not be available to persons resident in (or citizens of) particular countries.