Depends how much you're talking, length of investment, need for access, attitude to risk etc. etc.
Unlike jan, I'm not a fan of structured products. Some can be very complex and not all have FSCS protection.
I'm not necesarily a fan of structureds, just that they are a viable alternative to cash ISA's I believe as they're pretty secure, as long as you pick your provider well, and unlike cash ISA's can give very good annual returns if the spike is reached.
Advising to go into direct share holding for a person used to cash ISA's is a little extreme however, as the risk involved are huge in comparison. Especially if you're not sure what you're getting yourself into.
As for the 'don't use an adviser because he'll only pick the product that pays him the most' argument, well that's a bit of a joke really, as the regulator is dealing with people like that, as I said pick a 'professional' for your long term financial advisor, not some transactor only interested in a sale, which is why I suggest you avoid bank advisors, they're under too much pressure to sell, sell, sell, and I for one wouldn't trust one as far as I could throw one - just a personal opinion there though.
