Structured Investment Plans

View the latest Structured Investment plans from the UK's best providers.

We provide Structured Products to both private and corporate investors on an advised and non-advised basis. Straightforward, affordable and an arrangement fee of just 0.5%* per investment, (subject to the minimum fee of £75, non-advised) and 1.5% of the invested capital, (subject to the minimum advice fee of £300)

We can help you make the most of your money and where advice is taken ensure the product is suitable to meet your investment needs and goals.

Filter our range of structured products

Tempo FTSE 100 FDEW Long Growth & Kick-Out Plan: September 2020

This is a maximum 10 year plan linked to the FTSE 100 FDEW, which provides accelerated growth, from a defined percentage of the start level - with an early maturity feature.

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Aug 28, 2020
Don't forget the risks
  • Potential return: 5 x FTSE 100 FDEW closes above 80% of start level
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 40%
View plan

Tempo FTSE 100 FDEW Long Income Plan: October 2020 - Option 1

This is a maximum 10 year plan with two investment options, linked to the FTSE 100 FDEW, offering conditional income each quarter of 1.2125% for Option 1 if the FTSE 100 FDEW closes at or above 50% of the start level on a quarterly income date – with an early maturity feature from the end of the 3rd year.

  • Closing Date: Sep 25, 2020
  • ISA Transfer: Sep 7, 2020
Don't forget the risks
  • Potential return: 1.2125 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Tempo FTSE 100 FDEW Long Income Plan: October 2020 - Option 2

This is a maximum 10 year plan with two investment options, linked to the FTSE 100 FDEW, offering conditional income each quarter of 1.6875% for Option 2 if the FTSE 100 FDEW closes at or above 75% of the start level on a quarterly income date – with an early maturity feature from the end of the 3rd year.

  • Closing Date: Sep 25, 2020
  • ISA Transfer: Sep 7, 2020
Don't forget the risks
  • Potential return: 1.6875 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

Tempo FTSE 100 FDEW Long Kick-Out Plan September 2020 - Option 3

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 15.90% per year, If the FTSE 100 FDEW closes at or above 100% of the start level on one of the kick-out anniversary dates, between year 3 and year 10

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Aug 28, 2020
Don't forget the risks
  • Potential return: 15.9 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 40%
View plan

Tempo FTSE 100 FDEW Long Kick-Out Plan September 2020 : Option 1

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 5.20% per year, that accumulates (in other words, builds up) for each year that the plan runs and is paid if the FTSE 100 FDEW closes at or above a reducing percentage of the start level on one of the kick‑out anniversary dates or on the end date (reducing from 100% on the third anniversary to 40% on the final anniversary).

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Aug 28, 2020
Don't forget the risks
  • Potential return: 5.2 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 40%
View plan

Tempo FTSE 100 FDEW Long Kick-Out Plan September 2020 : Option 2

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 9.45% per year, that accumulates (in other words, builds up) for each year that the plan runs and is paid if the FTSE 100 FDEW closes at or above a reducing percentage of the start level on one of the kick‑out anniversary dates (reducing from 100% on the third anniversary to 65% on the final anniversary.

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Aug 28, 2020
Don't forget the risks
  • Potential return: 9.45 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 40%
View plan

Meteor FTSE Kick Out Plan August 2020

A maximum eight-year three-week investment offering a potential gross investment return of 9.25% per annum, for each completed year that the Plan has been in force from year 1. The capital and investment return are linked to the performance of the FTSE 100 Index.

  • Closing Date: Aug 24, 2020
  • ISA Transfer: Aug 10, 2020
Don't forget the risks
  • Potential return: 9.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

Meteor FTSE Quarterly Contingent Income Plan August 2020

A maximum ten-year three-week investment offering the potential to pay a gross income of 1.525% for that quarter, if the Closing Level of the Index on any Quarterly Measurement Date is at least equal to 80% of its Opening Level, The capital and investment return are linked to the performance of the FTSE 100 Index.

  • Closing Date: Aug 26, 2020
  • ISA Transfer: Aug 12, 2020
Don't forget the risks
  • Potential return: 1.525 % gross income
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 10 years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Semi-Annual Kick Out Plan August 2020

The Meteor FTSE Semi-Annual Kick Out Plan July 2020 is a maximum eight-year three week investment where if the Closing Level of the Index on any Measurement Date before the Final Measurement Date is 10% or more above its Opening Level the Plan will kick out, i.e. mature early, and make a gross investment return of 6% of the money you invest for each half year that the Plan has been in force.

  • Closing Date: Aug 24, 2020
  • ISA Transfer: Aug 10, 2020
Don't forget the risks
  • Potential return: 6 % for each half year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor UK Defensive Kick Out Plan August 2020

The Meteor UK Defensive Kick Out Plan August 2020 is a maximum seven-year three-week investment with a potential gross investment return of 7% payable for year in force from year 1.

  • Closing Date: Aug 26, 2020
  • ISA Transfer: Aug 12, 2020
Don't forget the risks
  • Potential return: 7 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 7 years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor UK Kick Out Plan August 2020

A maximum eight year three week investment offering a potential gross investment return of 8% payable for each year in force from year 1.

  • Closing Date: Aug 26, 2020
  • ISA Transfer: Aug 12, 2020
Don't forget the risks
  • Potential return: 8 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 8 years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana FTSE 150 Kick Out Plan - August 2020

This is a ten year Plan based on the performance of the FTSE™ 150 Equally Weighted Discounted Return Custom Index, the Underlying Asset. The Plan is constructed to offer a Potential Return of 15% for each year the Plan runs with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Aug 14, 2020
  • ISA Transfer: Jul 29, 2020
Don't forget the risks
  • Potential return: 15 % return on investment for each year the Plan runs, paid gross
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE Custom 150
  • Counterparty: Natixis
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

FTSE 100 Step Down Kick-Out Plan 38

A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 5.75% per annum (not compounded), if the FTSE 100 is above a reducing percentage (reduction of 5% per annum) of its starting levels.

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Sep 4, 2020
Don't forget the risks
  • Potential return: 5.75 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Investec FTSE 100 8 Year Defensive Kick-Out Plan 4

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 investment at the end of the 8 year term, or earlier if the Plan matures early.

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Sep 4, 2020
Don't forget the risks
  • Potential return: 6 % p.a. not compounded
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 8 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Investec FTSE 100 8 Year Kick-Out Plan 4

The aim of the Plan is to provide an investment return if the FTSE 100 rises and return your initial investment at the end of the 8-year term, or earlier if the Plan matures early.

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Sep 4, 2020
Don't forget the risks
  • Potential return: 8.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 8 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Investec FTSE 100 Enhanced Kick-Out Plan 95

A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. If at the end of years 1, 2, 3, 4, 5 or 6 the FTSE 100 is higher than its starting level the Plan will mature (Kick-Out) returning your initial investment plus a fixed payment equal to 8.5% per annum (not compounded).

  • Closing Date: Sep 18, 2020
  • ISA Transfer: Sep 4, 2020
Don't forget the risks
  • Potential return: 8.5 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Hilbert Kick Out Series: 3 Stock Defensive Autocall - Issue 5

Opportunity for a Fixed Growth Return, depending on the performance of Barclays Plc, Aviva Plc and Vodafone Group Plc. Maximum 7 year term (but your investment could mature early from the first semi annual observation date) Issued by Citigroup Global Markets Funding Luxembourg S.C.A. Capital is not protected, and you may lose some or all of your investment

  • Closing Date: Sep 17, 2020
  • ISA Transfer: Sep 11, 2020
Don't forget the risks
  • Potential return: 17 % per annum (8.5% Semi Annually)
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: Barclays PLC, Aviva PLC, Vodafone Group PLC
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 7 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Causeway Securities 5 Year UK & US Kick-Out Plan

The Causeway Securities 5 Year UK & US Kick-Out Plan is a capital at risk investment with a potential investment return of 10.20% for each year the Plan runs (paid gross).

  • Closing Date: Sep 11, 2020
  • ISA Transfer: Aug 28, 2020
Don't forget the risks
  • Potential return: 10.2 % per annum (paid gross)
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Morgan Stanley
  • Investment term: 5 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Product Providers

Don’t forget the risks

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:

Market risk to potential returns

Whether or not a plan generates the potential returns for investors usually depends on the closing level of the relevant index on the relevant dates for the plan, i.e. the kick-out anniversary dates for kick-out products; the early maturity dates and end dates for growth products; the annual income dates for income products.

If the index closes below the level needed, for the plan or plan options chosen, on all of the relevant dates, the plan or plan options will not generate a return.

Market risk to repayment of money invested in 'Capital-at-Risk' plans

If the closing level of the relevant index is below the level needed on all of the kick-out anniversary dates or early maturity dates, if relevant for the plan or plan options chosen, and on the end date, repaying the money invested at maturity will usually depend on the closing level of the index on the end date..

Different structured products use different types of protection barriers. Some products use barriers that are observed every day that can therefore be breached on any day during the investment term, while some products use barriers that are only observed at the end of the investment term and that cannot therefore be breached during the investment term.

Market risk to the repayment of money invested on the end date will depend on the type of barrier and its level.

For example, for a product with an end of term barrier, set at 60% of the start level, if the index for the plan closes at or above 60% of the start level, on the end date, money invested will be repaid in full (less any agreed adviser fees and withdrawals). However, if on the end date the index closes below 60% of the start level, the amount of money repaid (less any agreed adviser fees and withdrawals) will be reduced by the amount that the index has fallen. For example, if the index has fallen by 45%, the repayment of money invested will be reduced by 45% (meaning that investors will get 55% of their investment back).

'Protected' types of structured products

Some structured product plans are designed so that they are 100% protected from stock market risk at the end date.

It is important to understand that even if a structured product plan is designed with 100% protection from stock market risk, at the end date, it will still usually have issuer and counterparty bank risk. In other words, both the potential returns of the plan and repaying the money invested at the end date will depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Issuer and counterparty bank risk

Both the potential returns and repaying the money invested of most structured products depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Financial Services Compensation Scheme ('FSCS') protection

It is important to understand that it is not usually possible to claim under the Financial Services Compensation Scheme if the issuer and counterparty bank fail to meet their obligations or if the stock market index that a plan links to falls.

Structured deposits

Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and also benefit from the protection of the Financial Services Compensation Scheme, if the bank or building society is a licensed UK deposit taker.

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.

Want to stay up to date with the latest structured product news?