Of the 325 Barclays CDs reviewed by the Journal, 239 had announced at least one annual return payment. More than half of those returns were lower than an investor would have earned from an average five-year conventional CD. Of the 118 structured CDs that were issued at least three years ago, only one-quarter posted returns better than those of an average five-year conventional CD. And roughly one-quarter produced no returns at all as of June 2016.
On the other hand, if you're looking to pay high fees to get a product that you won't understand, comes with a 200 page prospectus filled with calculus and legalese, and that will likely earn less than a plain vanilla CD, then by all means, go with a structured product.