Structured Notes

Generate income from stocks with downside protection

Invest in Structured Notes on Yieldstreet across investment themes including tech, consumer and diversified portfolios starting at only $15k.

Offers downside protection

Potential to generate regular income

Improve the risk-return profile of your overall portfolio

Globally, the Structured Notes market is approximately $3T in size

With most major banks participating in their issuance, including Goldman Sachs, Morgan Stanley, JP Morgan, Bank of America, Citi among others.

Learn more about how income structured notes have the potential to generate regular cash flow for your portfolio.

What are Structured Notes and how do they work

Structured Notes are hybrid securities that are issued as debt, but whose outcomes are tied to the performance of an underlying stock.

Structured notes can be growth and/or income focused. Each individual income structured note pays a quarterly coupon, while providing downside protection.

Structured Notes are one of the most innovative options to come out since the mutual fund.

Portfolio of notes

Yieldstreet offers a portfolio of multiple income structured notes each referencing a single underlying stock.

Issued by major banks

Yieldstreet will only purchase Structured Notes from major, investment-grade banks such as Goldman Sachs, Morgan Stanley, JP Morgan, Citi, Bank of America, Vanguard, Merrill Lynch, among others.

Low minimums

Through Yieldstreet you can invest in a pool of income notes with as little as $15K. Typically you need $250K to purchase Structured Notes directly from their issuers.

Transparent selection process

Designed to ensure that the underlying stocks have technical and fundamental characteristics which are expected to minimize the likelihood of significant price decline.

Short durations

Investments typically range from 9-36 months.

Reduced reinvestment risk

Yieldstreet will reinvest called notes according to the reinvestment criteria. This reduces friction and ensures that your capital stays at work.

Eligibility: Income Structured Notes are available to accredited investors, while non-accredited investors can gain exposure to private market investments through the multi-asset class fund offering and the Growth & Income REIT.

Expand your alternative investment portfolio with Yieldstreet

Structured Notes — Explained

You used to need over $250K to buy just one note. We solved this problem and allow investors to gain access to the product at a fraction of the cost.

Learn the basics

Our Structured Notes Portfolios

The ability to spread capital over a number of underlying notes helps reduce the concentration risk of the investment.

Get more information

An example: Structured Notes

Review an investor deck describing these outcome-based investments to get a more detailed sense of how Structured Notes could work for you.

Dig into the details

Your frequently asked questions, answered.

How does Yieldstreet choose what structured notes go into each portfolio?

Each structured note purchased in the portfolio will follow a transparent process that requires each underlying stock and note to meet certain criteria. The goal of this process is to ensure that the underlying stocks have fundamental and technical characteristics at the time of selection that are expected to minimize the likelihood of any significant price decline. In addition, each structured note will be chosen to provide a certain minimum amount of downside protection and from a select list of major banks. Please review the Private Placement Memorandum on each Structured Notes Portfolio offering page to learn more.

Where do structured notes fit in an investment portfolio?

Usually funded by reallocating capital from the equity portion of a portfolio, the inclusion of structured notes can improve a portfolio’s overall risk/return profile as the notes can help to protect against losses while simultaneously providing a regular source of income for investors.

Does the structured notes product offer the option for liquidity?

An investment in a structured note portfolio is illiquid. The portfolios have a target initial maturity of 2 years with one 12-month extension option (to account for any reinvested capital during the investment period, which lasts for the first 12 months).

How do structured notes work?

Issued as a debt instrument, with coupons that are tied to the performance of an underlying security, typically a single stock or basket of stocks.

Structured notes pay a set yield on a predetermined schedule, while providing a level of downside protection, subject to certain performance criteria being met.

How many structured notes are in each portfolio?

It is expected that each portfolio will contain between 3-10 underlying notes.

What are the investment themes of Yieldstreet's structured notes portfolio?

Diversified, tech, ESG and consumer focused structured note portfolios are offered on Yieldstreet.

What happens if the structured notes portfolio does not perform in line with expectations?

Should the value of an underlying stock that dictates the performance of its respective underlying structured note fall below its downside protection value then investors will experience principal loss. The amount of principal lost will be determined by how far the value of the stock has fallen from the day that the structured note was purchased.

What are the expected returns for Structured Notes?

Yieldstreet structured notes portfolio returns vary depending on the investment thematic of each portfolio. You can see all of the details of our current Structured Notes investments here.

What are the fees involved with structured notes?

A 1.25% annual management fee is charged. Initial coupon payments will be applied to the $150 annual fund expense.

¹ Past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All securities involve risk and may result in significant losses.

² Represents an average net realized internal rate of return (IRR) with respect to all matured investments in your portfolio, utilizing the effective dates and amounts to and from the investments and net of management fees and all other expenses charged to the investments. Past performance is not a reliable indicator of future results and should not be relied upon as the basis for making an investment decision. All securities involve risk and may result in significant losses, including the loss of principal invested.[read more]

³ "Annual interest," "Annualized Return" or "Target Returns" represents a projected annual target rate of interest or annualized target return, and not returns or interest actually obtained by fund investors. “Term" represents the estimated term of the investment; the term of the fund is generally at the discretion of the fund’s manager, and may exceed the estimated term by a significant amount of time. Unless otherwise specified on the fund's offering page, target interest or returns are based on an analysis performed by Yieldstreet of the potential inflows and outflows related to the transactions in which the strategy or fund has engaged and/or is anticipated to engage in over the estimated term of the fund. There is no guarantee that targeted interest or returns will be realized or achieved or that an investment will be successful. Actual performance may deviate from these expectations materially, including due to market or economic factors, portfolio management decisions, modelling error, or other reasons.

⁴ Reflects the annualized distribution rate that is calculated by taking the most recent quarterly distribution approved by the Fund's Board of Directors and dividing it by prior quarter-end NAV and annualizing it. The Fund’s distribution may exceed its earnings. Therefore, a portion of the Fund’s distribution may be a return of the money you originally invested and represent a return of capital to you for tax purposes.

⁵ Represents the sum of the interest accrued in the statement period plus the interest paid in the statement period.

⁶ The internal rate of return ("IRR") represents an average net realized IRR with respect to all matured investments, excluding our Short Term Notes program, weighted by the investment size of each individual investment, made by private investment vehicles managed by YieldStreet Management, LLC from July 1, 2015 through and including July 18th, 2022, after deduction of management fees and all other expenses charged to investments.

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