These products are investment products (specifically pensions schemes). By the word no-sophisticated I mean that the way the returns are calculated and payed to the investors is not so difficult to understand and explain to investors.
Regarding the "было бы" I think that this is the actual translation of "would be". Now the reason why I used "would be" instead of a simple "is", is because I descripe a fact that is not so likely to become real (i.e. learn all the details regarding this investment products).
-If my reasoning here is wrong please correct it.