These must be considered alongside traditional investment products like stocks and shares ISA’s, on and offshore bonds, use of Capital Gains Tax allowances, estate planning et al.
Each product should be assessed on an individual basis for its purpose, term and risk profile. Then considered against the back drop of other assets and liabilities.
Capacity for loss, understanding risk versus reward and performance versus volatility are all part of the advice process alongside asset allocation and the raft of investment choices that are available to you.
If a financial product seems too good to be true it usually is. We have a special Wealth warning to expats and those receiving advice outside of the FCA regulated UK: