retail investment product
- 85(a) a life policy; or
- (b) a unit; or
- (c) a stakeholder pension scheme (including a group stakeholder pension scheme)86; or
- (d) a personal pension scheme (including a group personal pension scheme)86; or
- (e) an interest in an investment trust savings scheme; or
- (f) a security in an investment trust; or
- (g) any other designated investment which offers exposure to underlying financial assets, in a packaged form which modifies that exposure when compared with a direct holding in the financial asset; or
- (h) a structured capital-at-risk product;
whether or not any of (a) to (h) are held within an ISA or a CTF.