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A Structured Product ["SP"] is a hybrid investment instrument, which is used to improve the return on a fixed income or an equity instrument while reducing the risk on the product using a derivative instrument as an insurance on the downside.The layer of derivatives gives it the flexibility needed to blend with a portfolio and enhance its risk to return performance while matching an investor’s objectives. High-risk, high-reward SPs can form a part of the ‘Equity Allocation’ while its lower risk designs can be plugged as part of the 'Debt Allocation'. This is probably the only instrument which requires minimal human intervention during the course of investment post the designing stage. Hence, it’s a passive strategy which is Mechanical in nature.