Income-Generating Structured Notes: A Smarter Investment Strategy

In an ever-changing market environment, investors seek ways to optimize returns while managing risk. **The Original IRA**, Ira Koyner, introduces a strategic approach to **income-generating structured notes**—an innovative solution for those looking to reduce volatility and improve portfolio performance.

Why Consider An Income Structured Note?

• ✔ **Fixed Interest Payments** – Higher yields compared to money market funds and short-term treasuries.
• ✔ **Market-Linked Growth** – Returns are linked to indices like the S&P 500, Nasdaq, or Russell 2000.
• ✔ **Downside Protection** – Structured to minimize risk while maximizing potential returns.
• ✔ **Tax Efficiency** – Can be used within **401(k)s, Roth IRAs, and other tax-deferred accounts** to reduce tax liabilities.

Who Should Invest in Structured Notes?

An Income structured note is an excellent choice for:

• 🔹 Investors seeking **higher fixed income returns** than money market funds or short-term U.S. bonds.
• 🔹 Those looking to **reduce market volatility exposure** while maintaining income potential.
• 🔹 Investors with **taxable accounts** who want a tax-efficient income strategy.
• 🔹 Individuals looking for **alternative investment options** with a defined risk-reward structure.

How An Income Structured Note Work

Structured notes **pay a fixed interest coupon** on a regular basis as long as the underlying asset remains above a specified level. If the market rises, the investment matures early with **full principal return**. If the market declines beyond a set threshold, investors still receive interest but may experience a reduction in principal.