View our range of Structured Investment and Deposit plans.

We provide Structured Product investments 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, we can help you make the most of your money.

Filter our range of structured products

Potential return
2x any rise in the FTSE 100

A maximum 6 year 3 week investment offering a potential 2% for each percentage point the Final Level of the Index is above 75% of its Opening Level (max 50% return).

Advised
Product type: Capital at Risk
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 6 years 3 weeks
Kick-out / Early maturity: No
Potential return: 2 x any rise in the FTSE 100
Barrier type: End of term
Barrier level: 60%
Closing Date: 22 August 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
8.25% per annum

A maximum 7 year 3 week investment offering a potential gross investment return of 8.25% per annum, for each completed year that the Plan has been in force. The capital and investment return are linked to the performance of the FTSE 100 Index and the S&P 500 Index.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and S&P 500 Index
Investment term: 7 years 3 weeks
Kick-out / Early maturity: Yes
Potential return: 8.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 22 August 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
6.25% per annum

A maximum 7 year 3 week investment offering a potential gross investment return 6.25% per annum from year 1. Kick Out Levels are reduced from year 3 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: 7 years 3 weeks
Kick-out / Early maturity: Yes
Potential return: 6.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 29 August 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
6.5% per annum

The FTSE/S&P Super Step Down Kick Out Plan July 2018 is a maximum 7 year 3 week investment offering a potential gross investment return 6.5% per annum.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and S&P 500 Index
Investment term: 7 years 3 weeks
Kick-out / Early maturity: Yes
Potential return: 6.5 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 29 August 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
15% first year

The FTSE/STOXX Kick Start Plan is a maximum 7 year 3 week investment offering a potential gross investment return of 15% at year 1, increasing by 10% pa thereafter.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 7 years 3 weeks
Kick-out / Early maturity: Yes
Potential return: 15 % first year
Barrier type: End of term
Barrier level: 60%
Closing Date: 29 August 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
7% per annum

A maximum seven year three week investment offering a potential gross investment return of 7% per annum, for each completed year that the Plan has been in force. The capital and investment return are linked to the performance of the FTSE 100 Index and the EURO STOXX 50.

Advised
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 7 years 3 weeks
Kick-out / Early maturity: No
Potential return: 7 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 29 August 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
6.12% per annum

A maximum ten year two week investment offering a potential return of 1.53% per quarter (6.12% per annum) providing the Closing Price of the Index is at or above 75% of the Start Level on each quarterly Observation Date.

Product type: Capital at Risk
Investment type: Income/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Potential return: 6.12 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 28 August 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
1.75× any growth in EVEN 30

A maximum five year structured deposit plan linked to the performance of the EVEN 30 Index. The Plan aims to provide a return at maturity equal to 175% (1.75x) of any rise in the EVEN 30 after 5 years with no maximum return. Full return of initial deposit at maturity regardless of EVEN 30 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: EVEN 30 Index
Investment term: 5 years (maximum)
Kick-out / Early maturity: No
Potential return: 1.75 × any growth in EVEN 30
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the EVEN 30 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
10.5% return

A maximum three year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 10.5%, provided the FTSE 100 is higher than 90% of its starting level after 3 years (equivalent to 3.5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 3 years (maximum)
Kick-out / Early maturity: No
Potential return: 10.5 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
15% return

A maximum three year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 15%, provided the FTSE 100 is higher than its starting level after 3 years (equivalent to 5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 3 years (maximum)
Kick-out / Early maturity: No
Potential return: 15 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
25% return

A maximum six year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 25%, provided the FTSE 100 is higher than 75% of its initial index level after 6 years. Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 25 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
45% return

A maximum four year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 45%, provided the FTSE 100 is higher than its starting level after 6 years (equivalent to 7.5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 45 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
1.45% 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: 31 August 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: 31 August 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
4.5% per annum

The FTSE 100 Defensive Kick-Out Deposit Plan provides potential for maturity at the end of years 3, 4, 5 or 6 with a fixed payment equal to 4.5% per annum if the FTSE 100 is above a reducing percentage of its starting level.

Product type: Deposit Based
Investment type: Growth/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 4.5 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
6.15% 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 6.15% per annum, if the FTSE 100 is above a reducing percentage of its starting level.

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: 6.15 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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
6.35% per annum

A maximum eight 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, 7 or 8 with a fixed payment equal to 6.35% per annum (not compounded), if the FTSE 100 is above a reducing percentage of its starting level.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 6.35 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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: 31 August 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% 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% 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 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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 eight year structured investment plan linked to the performance of the FTSE 100 Index. If at the end of years 2, 3, 4, 5, 6, 7 or 8 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 9% per annum (not compounded).

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 9 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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
3.5% per annum

A maximum six year income deposit plan linked to the performance of the FTSE 100 Index. The Plan is designed to repay your initial deposit and to make annual income payments of 3.5% per annum if the FTSE 100 is higher than 75% of its starting level on each Annual Anniversary Date.

Product type: Deposit Based
Investment type: Income
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 3.5 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
3.36% per annum

A maximum six year income deposit plan linked to the performance of the FTSE 100 Index. The Plan is designed to repay your initial deposit and to make monthly income payments of 0.28% per month if the FTSE 100 is higher than 75% of its starting level on each Monthly Anniversary Date (equal to 3.36% per annum).

Product type: Deposit Based
Investment type: Income
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 3.36 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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% per annum

A maximum six year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 3, 4, 5 or 6, paying a Gross Return equivalent to 6% per annum, with full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 6 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 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
7.35% per annum

Potential for maturity at the end of years 2, 3, 4, 5, 6, 7 or 8 with a payment equal to 7.35% per annum (not compounded) if the closing level of the FTSE 100 is higher than a specified percentage of the Initial Index Level. The specified levels are 100% of the Initial Index Level in years 2, 3 and 4 and reduces by 5% per annum to 80% in year 8.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.35 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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: 31 August 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: 31 August 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
6.9% per annum

A maximum eight 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, 6, 7 or 8 with a fixed payment equal to 6.9% per annum (not compounded), 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: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 6.9 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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
7.9% per annum

A maximum eight 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, 6, 7 or 8 with a fixed payment equal to 7.9% per annum (not compounded), if both the FTSE 100 and S&P 500 are above a reducing percentage of their starting levels.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and S&P 500 Index
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.9 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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: 31 August 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
7.25% per annum

A maximum eight 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, 6, 7 or 8 with a fixed payment equal to 7.25% per annum (not compounded), 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: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 7.25 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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
9% per annum

A maximum eight 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, 6, 7 or 8 with a fixed payment equal to 9% per annum (not compounded), if both the FTSE 100 and EURO STOXX 50 are above a reducing percentage of their starting levels.

Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 8 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 9 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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
2.05% per quarter

The Plan aims to provide fixed income on any Quarterly Anniversary Date, if the level of the FTSE 100 Index and the EURO STOXX 50 Index are at least equal to 80% of their Opening Levels, you will receive an income payment of 2.05%.

Product type: Capital at Risk
Investment type: Income/Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Investment term: 10 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 2.05 % per quarter
Barrier type: End of term
Barrier level: 60%
Closing Date: 13 September 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
6.75% 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 6.75% p.a. not compounded, if the FTSE 100 is above a reducing percentage of its starting 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: 6.75 % per annum
Barrier type: End of term
Barrier level: 60%
Closing Date: 31 August 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.

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.

Types of Structured Product

The security of your money and the potential for returns both depend on how your money is held. At Best Price Financial Services, we offer two product types:

Deposit-based

A deposit-based Structured Product, also known as a Structured Deposit Plan, is designed to return the original investment in full, regardless of the performance of the underlying asset (such as the FTSE 100). This security is attractive for many investors with a lower tolerance to risk, but the potential for returns of such an investment are usually lower than a capital-at-risk product. Deposit-based products come with the condition that returns will only occur if the underlying measure is at or above a certain level at the date(s) set.

Capital-at-risk

Structured Products where your capital is at risk, also known as Structured Investment Plans, mean that there is the potential for you to lose your capital. This occurs if the underlying asset experiences sizeable drops - either at any point during the investment term or only at its end - in comparison to its level at the beginning of the investment.

Many of these kinds of structured products will have a barrier in place, meaning that loss of the original capital only occurs if the measure drops below a certain level, such as 50% of the original index measurement. In comparison to a deposit-based product, this investment gives no guarantee that your original investment will be returned. However, with the higher level of risk involved, there is also the potential of much higher returns.

Types of Investment

Returns on investment will also depend on the type of Structured Product you choose. There are 3 types of investment you can make with us, as follows:

Growth

Growth type Structured Products aim to provide a fixed return at the end of the investment's term, dependent on the performance of the underlying asset.

Income

Products of this type will provide an income either monthly, quarterly or annually. These payments may be liable to be taxed, so it's important to check your plan and calculate how much you will receive. These payments can be paid on an unconditional basis, meaning that the performance of the underlying asset will not affect your income, or on the condition that the underlying asset stays above or below a particular level.

Kick-Out

Also known as an Auto-Call Structured Product type, this type of investment can mature early at any one of a number of specified dates in the investment's term. This is usually on an annual basis, and maturity and payout would occur if certain conditions are met. For example, if the index used as the underlying asset is above a certain level after the first year as compared to the investment's start date, the original capital is paid back along with the set payment for one year of investment.

If the condition is not met after this first year then the investment will continue, comparing index levels at the set anniversary dates and, if conditions are met, returning the investment along with a set payment for however many years the money has been invested.

Remember that the security of your original capital is dependent on whether you choose a deposit-based or capital-at-risk product, so if your investment fails to mature at any of the annual dates, returns at the end of its term will depend on your choice of product.

Understanding Risk

It's important to understand the risks of Structured Products before going ahead with any investment. Structured Deposit Plans are deposit-based and will usually benefit from the protection of the Financial Services Compensation Scheme.

However, with a capital-at-risk product like a Structured Investment Plan, the return of your capital is dependent upon the financial company you've invested that money with staying in business. This is known as ‘counterparty risk', counterparty referring to the financial institution holding your money. If this company were to become insolvent during your investment and so unable to repay its liabilities, part or all of your capital may be lost. It is therefore vital for all investors to observe the terms and conditions of each plan before going forward.

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