In recent years retail investors have become more educated with their investment decisions, with banks now tailoring more sophisticated products to the retail market as they chase deposits to fund lending.Rabobank, the Dutch cooperative that claims a number two market share in agribusiness lending in Australia, continues to introduce a more diverse range of savings products and also to seek a broader customer base.The latest is a four-year term deposit product with returns linked to equity indexes dubbed the C.A.S.H Deposit."For a category of depositor, they are looking for more sophisticated products generally, and what I think is missing is something with a perhaps more variable rate of return and a slightly longer term nature," said Bruce Dick, chief executive officer Rabobank Australia & New Zealand.The C.A.S.H. Deposit product will be sold through financial planners and offers principal-protected term-based returns linked to four equity indexes, one in Australia and three in Asia, with the bank allocating new funds to lending activities in rural and regional Australia.Annual returns paid will either be three per cent, six per cent, nine per cent or twelve per cent, dependent on the worst performing index, annually benchmarked around May 12 back to the first year."It requires a slightly more sophisticated understanding of just that variability, and what we feel is you basically need good advice when going into these sorts of products, and you don't feel let down if the returns do not match your expectations."And I think that requires a financial planning person to be involved as part of the sales process."The Rabobank financial planning network is relatively small though, operating in New South Wales and, since last year, Western Australia.Dick says Rabobank is looking to extend the network further, but Rabobank products are available through third-party planners.Of the indexes, the S&P ASX 200 Index represents Australia, with the Hang Seng H-Share Index ETF (seeks to replicate Hang Seng China Enterprises Index performance) representing China, the MSCI Singapore Cash Index for Singapore, and the Hong Kong Exchange Traded Fund (ETF), (seeks to replicate the Hang Seng Index) representing Hong Kong.Minimum $20,000 investments are available from April 21 until May 19, for a four-year term.If the annual worst performing index after one year declines more than ten per cent, three per cent will be paid,or a six per cent return if the worst decline is less than ten per cent, with a nine per cent return if the index gains by less than ten per cent.The maximum yield is twelve per cent, only if all indexes advance more than ten per cent in the first year, and remain above this level until the four-year expiry.If funds are withdrawn before the four-year expiry, the principal return will be based on a net present value and may be more or less than the initial investment."The clear position with clients is it's a four-year term you are going into, and we expect people who are sophisticated and advised well by their financial planners to understand what that means,"