The plan is designed to pay a conditional stock market linked, fixed rate of interest on the end date, if the FTSE 100 EWFD closes at or above 95% of the ‘best entry’ start level. The plan is designed to pay a conditional, stock market linked, fixed rate of interest of 40.00% (AER 5.77%) at maturity, if the FTSE 100 EWFD closes at or above 95% of the ‘best entry’ start level on the end date. Over the first three months of the deposit term, the lowest daily closing level of the FTSE 100 EWFD is recorded as the start level of the plan. The plan includes an innovative ‘best entry’ start level feature. This investment is only available on an Advised basis.
The Causeway Securities FTSE 100 4 year Defensive Deposit Plan - March 2024 is a 4 year investment offering a Potential Investment Return of 100% of Initial Capital plus a fixed interest payment of 21.70% (5.425% p.a.) return on capital at Maturity, if the Underlying Asset is equal to or above 90% of the Opening Level. If the Final Level is below 90% of its Opening Level, no growth payment will be payable at the Maturity Date.
This is a 6 year 2 week investment offering a potential return of 7.50% p.a. if on any annual Observation date, starting at year 4, both Underlying Indices are at or above the Initial Strike level.
- Closing Date: Apr 10, 2024
- ISA Transfer: Mar 27, 2024
The IDAD Royal Bank of Canada US Income Deposit Plan - Issue 4 - March 2024 has a 6 year 2 week investment term offering an Interest Rate of 7.00% p.a. paid quarterly, if on any annual Observation date, the Underlying Index is between the upper and lower barrier levels the investor will receive income. This plan is only available on an Advised basis.
This is a 6 year 2 week Deposit Plan linked to the performance of the FTSE 100 Index. The Deposit Plan is constructed to offer a potential return of 6.25% p.a. If on any annual observation date (including the Final Observation date), the Underlying index is between the upper and lower barrier levels income will be paid. For clarity, if on any annual observation date, the index is outside the range, no income will be received, and the plan continues until the next observation date. This plan is only available on an Advised basis.
This plan is a maximum 6-year term structured deposit. The plan will pay a conditional, stock market linked, fixed rate of interest of 5.90% (a maximum AER of 5.44%), that accumulates (in other words, builds up) for each year that the plan runs, and is paid if the FTSE 100 EWFD closes at or above 95% of the start level on one of the kick-out anniversary dates or on the end date. The FTSE 100 EWFD does not need to rise – it simply needs to close at or above the start level. This plan is only available on an Advised basis.
The plan is a 5-year, fixed term structured deposit. The plan will pay a conditional, stock market linked, fixed rate of interest of 5.20% each year, payable annually throughout the deposit term for each year at which the FTSE 100 closes at or above 100% of the start level on the annual interest dates. The FTSE 100 does not need to rise – it simply needs to close at or above the start level at each annual interest payment date. The plan includes an innovative ‘memory’ feature. If an interest payment is missed due to the closing level of the FTSE 100 being below the level needed on an annual interest date, the plan remembers - and the missed interest can potentially be paid on a future annual interest date. On the next annual interest date at which the FTSE 100 closes at or above 100% of the start level, any missed interest will be paid, together with the interest due on that annual interest date. The plan is only available on an Advised basis.
All investments carry risk. It is identifying those risks, understanding how they may affect an investment and assessing whether an investment is suitable for your circumstances that is important.
The potential returns of most structured products and repaying the money invested are usually linked to the level of a stock market index and also depend on the financial stability of the issuer and counterparty bank. You should only consider investing if you understand and accept the risk of losing some or all of any money invested.
You should always read the relevant plan brochure and any other plan documentation, for full details of a plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions there are other important documents, including a Key Information Document (‘KID’), that you should consider, before deciding to invest in a plan.
Structured products should only be considered as part of a diversified and balanced portfolio.
Below is a summary of some of the main risks usually associated with an investment in structured products plans:
Structured Products Investor newsletter
We are also delighted to be able to introduce a new client newsletter, the Best Price FS Structured Products Investor, with the support of Tempo.
Contributing journalists will include the highly respected Financial Times ‘adventurous investor’ columnist, David Stevenson.
The first publication also features an article written by the global head of Tempo, Chris Taylor.