Very true ! 20 to 30 % in your pocket, is already an excellent yearly performance, even investing in most hot hedge funds you will never see such returns, besides on the paper, one year it may be plus 50 % next year it might hit minus 150% not even mentioning the fees
This is the reason why most institutional firms offer structured notes, if somebody ever heard of it. In other ways, they will diversified the risk to buyer and earns from their money. Indeed sometime those note could hit 20% sometimes after paying coupon, and with very low risk.