I find that if your portfolio is large enough, you have no advantage with the protected returns or second tier of complexity of items like rate reset.
Instead, just balance out your own portfolio to the asset mix you want, and hedge with your diversification strategy to match what the product you are interested in is trying to do.
If your product is based on partially working options, then just buy a few options yourself, etc.
This way, you save quite a bit on fees, and the way the income is distributed to you is very clear and simple to understand -- you get the income when and the amount that you expect. I been burned by surprise fees, restrictions on selling, or slower trading adjustments that reduce returns on the other products in the past, so I avoid them now.