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Investec’s final tranche. As you are already aware from recent communication we have provided, after 12 years, Investec Bank plc has taken the decision to stop offering new structured products in the UK retail market via Financial Advisers. We are therefore providing below a summary of their final tranche of their Deposit products for March 2021. |
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Investec’s final tranche:
Investec FTSE 100 3 Year Defensive Deposit Plan 27
Investment Return: The aim of the Plan is to provide an investment return even if the FTSE 100 falls by up to 10% and return your initial deposit at the end of the 3 year term.
If the FTSE 100 is higher than 90% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 3.5% return. If, on the Final Maturity Date, the FTSE 100 is equal to or lower than 90% of its starting level, you will receive back your initial investment with no return.
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Investec’s final tranche:
Investec FTSE 100 3 Year Deposit Plan 63
Investment Return: The aim of the Plan is to provide an investment return if the FTSE 100 rises and return your initial deposit at the end of the 3 year term.
If the FTSE 100 is higher than 100% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 4.5% return. If, on the Final Maturity Date, the FTSE 100 is equal to or lower than 100% of its starting level, you will receive back your initial investment with no return.
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Investec’s final tranche
Investec FTSE 100 6 Year Deposit Plan 25
Investment Return: The aim of the Plan is to provide an investment return if the FTSE 100 rises and return your initial deposit at the end of the 6 year term.
If the FTSE 100 is higher than 100% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 19.5% return. If, on the Final Maturity Date, the FTSE 100 is equal to or lower than 100% of its starting level, you will receive back your initial investment with no return.
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Investec’s final tranche
Investec FTSE 100 Defensive Kick-Out Deposit Plan 25
Investment Return: The aim of the Plan is to provide an investment return even if the FTSE 100 falls by up to 15% and return your initial deposit at the end of the 6 year term, or earlier if the Plan matures early.
If at the end of any of years 3, 4, 5 or 6 the FTSE 100 is higher than a specified percentage of its starting level, the Plan will mature returning your initial investment plus a fixed payment equal to 1.75% per annum (not compounded). If the Plan runs for the full 6 years and the FTSE 100 is equal to or lower than 85% of its starting level, your investment will be returned with no additional return. Your initial investment will be returned at maturity regardless of any fall in the FTSE 100.
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Investec’s final tranche:
Investec FTSE 100 Kick-Out Deposit Plan 99
Investment Return: The aim of the Plan is to provide an investment return if the FTSE 100 rises and return your initial deposit at the end of the 6 year term, or earlier if the Plan matures early.
If at the end of any of years 3, 4, 5 or 6 the FTSE 100 is higher than 100% of its starting level, the Plan will mature returning your initial investment plus a fixed payment equal to 2.5% per annum (not compounded). Your initial investment will be returned at maturity regardless of any fall in the FTSE 100.
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Investec FTSE 100 6 Year Defensive Deposit Plan 35 (Min Return version)
Investment Return Income: The aim of the Plan is to provide an investment return even if the FTSE 100 falls and return your initial deposit at the end of the 6 year term.
If the FTSE 100 is higher than 100% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 12% return. If the FTSE 100 is equal to or lower than 100% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 4.5% return, which may be less than the return that you would have received from another type of deposit product.
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| Investec FTSE 100 Income Deposit Plan 41 – Monthly
Investment Return: The aim of the Plan is to provide regular income payments even if the FTSE 100 falls by up to 25% and return your initial deposit at the end of the 6 year term.
The plan will make monthly income payments of 0.13% if the FTSE 100 is above 75% of its starting level on each Monthly Income Date. If the FTSE 100 is equal to or lower than 75% of its starting level on every Monthly Income Date, no income payments will be made. There is potential that you will receive back your initial investment with no return. |
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| The products below represents the final tranche of Investec’s Investment plans for your consideration. |
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| Investec FTSE 100 8 Year Kick-Out Plan 8 – BNP version
Investment Return: The aim of the Plan is to provide an investment return if the FTSE 100 stays flat or rises and return your initial investment at the end of the 8 year term, or earlier if the Plan matures early.
If at the end of any of years 2, 3, 4, 5, 6, 7 or 8 the FTSE 100 is equal to or higher than 100% of its starting level, the Plan will mature returning your initial investment plus a fixed payment equal to 7.45% per annum (not compounded). If the Plan runs for the full 8 years and the FTSE 100 finishes lower than 60% of its starting level, your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 over the Plan Term. |
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| Investec FTSE 100 Enhanced Kick-Out Plan 99 – BNP version
Investment Return: The aim of the Plan is to provide an investment return if the FTSE 100 stays flat or rises and return your initial investment at the end of the 6 year term, or earlier if the Plan matures early.
If at the end of any of years 1, 2, 3, 4, 5 or 6 the FTSE 100 is equal to or higher than 100% of its starting level, the Plan will mature returning your initial investment plus a fixed payment equal to 8.1% per annum (not compounded). If the Plan runs for the full 6 years and the FTSE 100 finishes lower than 60% of its starting level, your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 over the Plan Term. |
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| Investec FTSE 100 Step Down Kick-Out Plan 42 – BNP version
Investment Return: The aim of the Plan is to provide an investment return even if the FTSE 100 falls by 20% and return your initial investment at the end of the 6 year term, or earlier if the Plan matures early.
If at the end of any of years 2, 3, 4, 5 or 6 the FTSE 100 is greater than or equal to a specified percentage of its starting level, the Plan will mature returning your initial investment plus a fixed payment equal to 5.43% per annum (not compounded).
If the Plan runs for the full 6 years and the FTSE 100 is equal to or higher than 60% of its starting level but lower than 80% of its starting level, your investment will be returned with no additional return.
If the Plan runs for the full 6 years and the FTSE 100 finishes lower than 60% of its starting level, your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 over the Plan Term. |
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| Don’t Forget the Risks
As with all forms of investment there are risks involved. These plans do not guarantee to repay the money invested. The potential returns of the plans and repaying the money invested are linked to the level of the stock market and also depend on the financial stability of the Issuer and Counterparty Bank.
The promotion of the plans does not constitute ‘advice’ to invest. Advice is always specific to an individual investor’s circumstances and needs, following the process of ‘know your customer’, with the aim of ensuring that any product is suitable for an investor.
As always, the recommendation and common sense approach is to consider product solutions as a portfolio, never over-exposing oneself to a point of financial pain and suffering liquid or counterparty exposure.
At the Best Price FS price point the Investec Plans are certainly worthy of consideration for inclusion within investment portfolios.
Warmest Regards.
Best Price FS Team |
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