Welcome to the new way of investing in Structured Investments.

With an arrangement fee of just 0.5%* per investment, get the best rate in the UK.

We provide Structured Investment Plans to both private and corporate investors on an advised and non-advised basis. This is the most affordable way of investing and, on average, our clients save over £300 per investment.

Filter our range of structured products

Potential return
7.75% per annum

A maximum ten year structured investment product, that offers the potential for maturity at the end of year 2 with a fixed return of 7.75% per year, Kick Out Levels are reduced from year 4 to increase the chance of early expiry.

Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 10 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.75 % per annum
Barrier type: End of term
Barrier level: 70%
Closing Date: 20 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
8.17% per annum

A maximum ten year two week structured investment product, that offers the potential for maturity at the end of year 2 with a fixed return of 8.17% per year, provided the FTSE 100 is at or above a reducing Reference Level on one of the Kick Out Dates. Kick Out Levels are reduced from year 4 to increase the chance of early expiry.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Potential return: 8.17 % per annum
Barrier type: End of term
Barrier level: 70%
Closing Date: 13 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
12.33% per annum

A maximum ten year structured investment product, that offers the potential for maturity at the end of year 2 with a fixed return of 12.33% per year, provided the FTSE 100 is at or above 105% of the Start Level on one of the Kick Out Dates.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Potential return: 12.33 % per annum
Barrier type: End of term
Barrier level: 70%
Closing Date: 13 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
1.8% per quarter

The Mariana FTSE S&P Range Income Plan is a ten years and two week plan based on the performance of the FTSE 100 and S&P 500.

Advised
Product type: Capital at Risk
Investment type: Income
Market / index link: FTSE 100 Index and S&P 500 Index
Investment term: 10 years two weeks (maximum)
Kick-out / Early maturity: Yes
Potential return: 1.8 % per quarter
Barrier type: End of Term
Barrier level: 60%
Closing Date: 6 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and S&P 500 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.

Potential return
1.45% per quarter

The Plan aims to provide fixed income on any Quarterly Anniversary Date, if the level of the FTSE 100 is higher than 60% of the Initial Index Level you will receive an income payment of 1.45%

Product type: Capital at Risk
Investment type: Income/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 1.45 % per quarter
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
1.8% per quarter

The Plan aims to provide fixed income on any Quarterly Anniversary Date, if the level of the FTSE 100 is higher than 80% of the Initial Index Level you will receive an income payment of 1.8%

Product type: Capital at Risk
Investment type: Income/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 1.8 % per quarter
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
4.2% per annum

A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. The Plan aims to provide fixed income payments of 0.35% per month (4.2% per annum) over the 5 year term, regardless of the performance of the FTSE 100.

Product type: Capital at Risk
Investment type: Income
Market / index link: FTSE 100 Index
Investment term: 5 years (maximum)
Kick-out / Early maturity: No
Potential return: 4.2 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
10.25% per annum

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 10.25% per annum.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 10.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
7.25% per annum

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 7.25% per annum, if the FTSE 100 is above a reducing percentage (reduction of 5% per annum) of its starting levels.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
7.25% per annum

A maximum six year structured investment plan linked to the performance of the FTSE 100 and S&P 500 Index. The Plan can mature at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 7.25% per annum, if both the FTSE 100 and S&P 500 is above a reducing percentage of its starting level.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and S&P 500 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and S&P 500 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.

Potential return
7.65% per annum

A maximum six year structured investment plan linked to the performance of the FTSE 100 and EURO STOXX 50 Index. The Plan can mature at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 7.65% per annum, if both the FTSE 100 and EURO STOXX 50 is above a reducing percentage of its starting level.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.65 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and EURO STOXX 50 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.

Potential return
8% per annum

Potential for maturity every 6 months from the 2nd anniversary onwards, with a fixed payment equal to 8% per annum (not compounded), if the closing level of the FTSE 100 is higher than 92% of the Initial Index Level.

Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: No
Potential return: 8 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 21 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
6.6% per annum

A maximum seven 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, 6 or 7 returning your initial investment plus a fixed return equal to 6.60% p.a. not compounded, if the FTSE 100 is equal to or above a specified percentage of its Initial Index Level.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 7 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 6.6 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 8 November 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
9% per annum

A maximum seven year structured investment plan linked to the performance of the FTSE 100 and EuroStoxx 50 Index. The Plan can mature at the end of years 2, 3, 4, 5, 6 or 7 returning your initial investment plus a fixed return equal to 9% p.a. not compounded, if both the FTSE 100 and EuroStoxx 50 is above a reducing percentage of its starting level.

Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 7 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 9 % per annum
Barrier type: End of term
Barrier level: 65%
Closing Date: 31 October 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and EURO STOXX 50 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.

Important Information:
Structured Investment Plans are designed to offer investment growth or income with performance linked to an underlying asset, such as the UK stockmarket. Our service offers you a selection of structured investment plans from the UK's leading providers. Plans provide investors with the opportunity to invest in stockmarkets and other asset classes with pre-defined risk and returns potential. The product is issued in association with a counterparty who provide the returns and the guarantees. If the counterparty goes bankrupt, you may lose some or all of your money.

There are no capital guarantees with structured investment plans and any capital losses through counterparty default are not covered by the Financial Services Compensation Scheme (FSCS). There are also no income and growth guarantees. Your returns are dependent upon the performance of the underlying Index or commodity, therefore all or part of your initial investment is at risk. Further risks arise from the company (Counterparty) backing the plan potentially being unable to repay your initial investment and income and growth returns stated within the plan.

Product Providers

Fees for Non-Advised Investments

All non-advised sales carry an arrangement fee of just 0.5% of your investment. This is the cheapest percentage fee you'll find online, and all designed to help you make the most of your money. Investments carry a minimum charge of £75 for private investors, and a minimum of £100 for corporate or pension investments.

Need advice choosing your Structured Product?

If you receive advice in the purchase of your Structured Product then this will incur a setup fee, but at just 1.5% this is lower than almost every other provider. Purchasing this way will ensure that you receive help and direction in choosing your plan, making it a good option for investors who are new to Structured Products. Advised investments carry a minimum charge of £300

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.

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