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 and affordable, we can help you make the most of your money.

How much does it cost to invest?

A minimum fee of £50 applies for ISAs, ISA transfers and Direct cash investments. All other investments carry a minimum fee of £100.

Filter our range of structured products
FTSE Kick Out Plan April 2018 brochure ADVISED ONLY

FTSE Kick Out Plan April 2018

9% per annum
A maximum six year two week investment offering a potential gross investment return of 9% 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.
Product Type:
Capital at Risk
Closing Date:
19/04/2018
ISA Transfer:
05/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
9 % per annum
Find out more
Dual Index Defensive Kick Out Plan April 2018 brochure

Dual Index Defensive Kick Out Plan April 2018

9% per annum
A 6 year kick out product linked to the FTSE 100 & EURO STOXX 50 offering 9% per annum. Kick out is possible from the end of year two.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
13/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
9 % per annum
Find out more
Dual Index Super Defensive Kick Out Plan April 2018 brochure

Dual Index Super Defensive Kick Out Plan April 2018

7.65% per annum
A 6 year kick out product linked to the FTSE 100 & EURO STOXX 50 offering 7.65% per annum. kick out is possible from the end of year two.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
13/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.65 % per annum
Find out more
FTSE 100 Super Defensive Kick Out Plan April 2018 brochure

FTSE 100 Super Defensive Kick Out Plan April 2018

5.9% per annum
A 6 year kick out product linked to the FTSE 100 offering 5.9% Per annum. Kick out is possible from the end of year two.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
13/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.9 % per annum
Find out more
FTSE Step Down Kick-Out Plan March 2018 (Natixis) brochure

FTSE Step Down Kick-Out Plan March 2018 (Natixis)

6.5% per annum
A maximum six year two week investment offering a potential gross investment return of 6.5% per annum from year 2. Kick Out Levels are reduced from year 3 to increase the chance of early expiry.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.5 % per annum
Find out more
FTSE Super Step Down Kick Out Plan April 2018 brochure

FTSE Super Step Down Kick Out Plan April 2018

5.75% per annum
A maximum six year two week investment offering a potential gross investment return of 5.75% per annum from year 1. Kick Out Levels are reduced from year 3 to increase the chance of early expiry.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.75 % per annum
Find out more
Global Indices Super Stepdown Kick Out Plan April 2018 Option 1 brochure

Global Indices Super Stepdown Kick Out Plan April 2018 Option 1

6.75% per annum
The Global Indices Super Step Down Kick Out Plan March 2018 is a maximum 6 year 2 week investment offering a potential gross investment return 6.75% per annum
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.75 % per annum
Find out more
Global Indices Super Stepdown Kick Out Plan April 2018 Option 2 brochure

Global Indices Super Stepdown Kick Out Plan April 2018 Option 2

8% per annum
The Global Indices Super Step Down Kick Out Plan March 2018 is a maximum 6 year 2 week investment offering a potential gross investment return 8% per annum
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
8 % per annum
Find out more
UK & European Defensive Kick Out Plan April 2018 brochure

UK & European Defensive Kick Out Plan April 2018

9.5% per annum
A maximum six year two week investment offering a potential gross investment return of 9.5% 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 Index.
Product Type:
Capital at Risk
Closing Date:
25/04/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
9.5 % per annum
Find out more
FTSE 100 20:20 Defensive Growth Plan April 2018 brochure

FTSE 100 20:20 Defensive Growth Plan April 2018

20% return
A maximum 4 year structured growth plan linked to the performance of the FTSE 100 Index. This investment could return a 20% growth payment at maturity if the FTSE 100 closes at or above 80% of its starting level
Product Type:
Capital at Risk
Closing Date:
26/04/2018
ISA Transfer:
16/04/2018
Investment:
Growth
Term:
4 years max
Return:
20 % return
Find out more
FTSE Step Down Kick-Out Plan April 2018 (BNP) brochure ADVISED ONLY

FTSE Step Down Kick-Out Plan April 2018 (BNP)

6.5% per annum
A maximum six year two week investment offering a potential gross investment return of 6.5% per annum from year 2. Kick Out Levels are reduced from year 3 to increase the chance of early expiry.
Product Type:
Capital at Risk
Closing Date:
26/04/2018
ISA Transfer:
12/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.5 % per annum
Find out more
EVEN 30 Deposit Growth Plan 64 brochure

EVEN 30 Deposit Growth Plan 64

1.7× 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 170% (1.7x) 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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Growth
Term:
5 years max
Return:
1.7 × any growth in EVEN 30
Find out more
FTSE 100 3 Year Defensive Deposit Plan 4 brochure

FTSE 100 3 Year Defensive Deposit Plan 4

10% 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%, provided the FTSE 100 is higher than 90% of its starting level after 3 years (equivalent to 3.3333% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Growth
Term:
3 years max
Return:
10 % return
Find out more
FTSE 100 3 Year Deposit Plan 4 brochure

FTSE 100 3 Year Deposit Plan 4

13% 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 13%, provided the FTSE 100 is higher than its starting level after 3 years (equivalent to 4.3333% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Growth
Term:
3 years max
Return:
13 % return
Find out more
FTSE 100 Defensive Income Plan 7 - Option 1 brochure

FTSE 100 Defensive Income Plan 7 - Option 1

6% per annum
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 1.5%
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Income/Auto-Call
Term:
8 years max
Return:
6 % per annum
Find out more
FTSE 100 Defensive Income Plan 7 - Option 2 brochure

FTSE 100 Defensive Income Plan 7 - Option 2

7.5% per annum
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 1.875%
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Income/Auto-Call
Term:
8 years max
Return:
7.5 % per annum
Find out more
FTSE 100 Defensive Income Plan April 2018 brochure

FTSE 100 Defensive Income Plan April 2018

0.4292% per month
A maximum 10 year structured income plan that could potentially return a a 0.4292% monthly income payment. This will only occur if the underlying index, in this case the FTSE 100, closes at or above 60% of its starting level on the monthly income observation dates.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
16/04/2018
Investment:
Income/Auto-Call
Term:
10 years max
Return:
0.4292 % per month
Find out more
FTSE 100 Defensive Kick Out Deposit Plan 2 brochure

FTSE 100 Defensive Kick Out Deposit Plan 2

4% 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% per annum if the FTSE 100 is above a reducing percentage of its starting level.
Product Type:
Deposit Based
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Growth/Auto-Call
Term:
6 years max
Return:
4 % per annum
Find out more
FTSE 100 Defensive Kick-Out Plan 49 brochure

FTSE 100 Defensive Kick-Out Plan 49

7% 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 3, 4, 5 or 6 with a fixed payment equal to 7% per annum, if the FTSE 100 is above 90% of its starting level.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7 % per annum
Find out more
FTSE 100 Defensive Step Down Kick Out Plan 10 brochure

FTSE 100 Defensive Step Down Kick Out Plan 10

6.25% 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 6.25% per annum, if the FTSE 100 is above a reducing percentage of its starting level.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.25 % per annum
Find out more
FTSE 100 Defensive Step Down Kick Out Plan 10 (UK 4 option) brochure

FTSE 100 Defensive Step Down Kick Out Plan 10 (UK 4 option)

5.25% 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 5.25% per annum, if the FTSE 100 is above a reducing percentage of its starting level.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.25 % per annum
Find out more
FTSE 100 Enhanced Income Plan 42 brochure

FTSE 100 Enhanced Income Plan 42

4.5% 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 0.375% per month (4.50% per annum) over the 5 year term, regardless of the performance of the FTSE 100.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Income
Term:
5 years max
Return:
4.5 % per annum
Find out more
FTSE 100 Enhanced Kick-Out Plan 76 (Investec Option) brochure

FTSE 100 Enhanced Kick-Out Plan 76 (Investec Option)

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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
10 % per annum
Find out more
FTSE 100 Enhanced Kick-Out Plan 76 (UK 4 Option) brochure

FTSE 100 Enhanced Kick-Out Plan 76 (UK 4 Option)

7.8% per annum
A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. If at the end of years 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 7.8% per annum.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.8 % per annum
Find out more
FTSE 100 Kick-Out Deposit Plan 76 brochure

FTSE 100 Kick-Out Deposit Plan 76

5% 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 5% per annum, with full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5 % per annum
Find out more
FTSE 100 Step Down Kick Out Plan 19 (UK 4 Option) brochure

FTSE 100 Step Down Kick Out Plan 19 (UK 4 Option)

5.9% per annum
Potential for maturity at the end of years 2, 3, 4, 5 or 6 with a fixed payment equal to 5.9% per annum (not compounded), if the FTSE 100 is above a reducing percentage (reduction of 5% per annum) of its starting level.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.9 % per annum
Find out more
FTSE 100 Step Down Kick-Out Plan 19 (Investec Option) brochure

FTSE 100 Step Down Kick-Out Plan 19 (Investec Option)

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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.25 % per annum
Find out more
FTSE S&P 500 Defensive Step Down Kick Out Plan 6 brochure

FTSE S&P 500 Defensive Step Down Kick Out Plan 6

7.5% 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 7.5% 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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.5 % per annum
Find out more
FTSE S&P 500 Defensive Step Down Kick Out Plan 6 (UK 4 option) brochure

FTSE S&P 500 Defensive Step Down Kick Out Plan 6 (UK 4 option)

5.7% 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 5.7% 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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.7 % per annum
Find out more
FTSE S&P 500 Step Down Kick Out Plan 4 (UK 4 option) brochure

FTSE S&P 500 Step Down Kick Out Plan 4 (UK 4 option)

6.55% 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 6.55% per annum, if both the FTSE 100 and S&P 500 are above a reducing percentage of their starting levels.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.55 % per annum
Find out more
FTSE STOXX Defensive Step Down Kick Out Plan 10 brochure

FTSE STOXX Defensive Step Down Kick Out Plan 10

8% 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 8% 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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
8 % per annum
Find out more
FTSE STOXX Defensive Step Down Kick Out Plan 10 (UK 4 option) brochure

FTSE STOXX Defensive Step Down Kick Out Plan 10 (UK 4 option)

6.25% 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 6.25% 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
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.25 % per annum
Find out more
FTSE STOXX Step Down Kick Out Plan 4 (UK 4 option) brochure

FTSE STOXX Step Down Kick Out Plan 4 (UK 4 option)

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 are above a reducing percentage of their starting levels.
Product Type:
Capital at Risk
Closing Date:
27/04/2018
ISA Transfer:
06/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.65 % per annum
Find out more
FTSE 100 Fixed Monthly Income Plan May 2018 brochure

FTSE 100 Fixed Monthly Income Plan May 2018

4.1496% per annum
A maximum 6 year structured income plan that pays a potential 0.3458% income per month (equivalent to 4.1496% per annum) linked to the performance of the FTSE 100. While there is no conditionality to income being returned, investors should be mindful that any income is dependent upon the counterparty bank remaining solvent throughout the investment term.
Product Type:
Capital at Risk
Closing Date:
01/05/2018
ISA Transfer:
19/04/2018
Investment:
Income
Term:
6 years max
Return:
4.1496 % per annum
Find out more
10:10 FTSE Kick Out Plan May 2018 (Option 1) brochure

10:10 FTSE Kick Out Plan May 2018 (Option 1)

7.25% 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 7.25% 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.
Product Type:
Capital at Risk
Closing Date:
02/05/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
10 years max
Return:
7.25 % per annum
Find out more
10:10 FTSE Kick Out Plan May 2018 (Option 2) brochure

10:10 FTSE Kick Out Plan May 2018 (Option 2)

10.65% 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 10.65% per year, provided the FTSE 100 is at or above 105% of the Start Level on one of the Kick Out Dates.
Product Type:
Capital at Risk
Closing Date:
02/05/2018
ISA Transfer:
11/04/2018
Investment:
Auto-Call/Kick-Out
Term:
10 years max
Return:
10.65 % per annum
Find out more
FTSE Defensive Supertracker Plan May 2018 brochure ADVISED ONLY

FTSE Defensive Supertracker Plan May 2018

2x any rise in the FTSE 100
A maximum 6 year 2 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).
Product Type:
Capital at Risk
Closing Date:
04/05/2018
ISA Transfer:
05/04/2018
Investment:
Growth
Term:
6 years max
Return:
2 x any rise in the FTSE 100
Find out more
FTSE Defensive Income Kick Out Plan May 2018 brochure

FTSE Defensive Income Kick Out Plan May 2018

6.24% per annum
A maximum seven year two week investment offering a potential return of 1.56% per quarter (6.24% 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
Closing Date:
15/05/2018
ISA Transfer:
24/04/2018
Investment:
Income/Auto-Call
Term:
7 years max
Return:
6.24 % per annum
Find out more
FTSE 100 Defensive Step Down Kick Out Plan 10 - Morgan Stanley option brochure ADVISED ONLY

FTSE 100 Defensive Step Down Kick Out Plan 10 - Morgan Stanley option

6% 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% per annum, if the FTSE 100 is above a reducing percentage of its starting level.
Product Type:
Capital at Risk
Closing Date:
18/05/2018
ISA Transfer:
27/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6 % per annum
Find out more
FTSE 100 Enhanced Kick Out Plan 76 - Morgan Stanley option brochure ADVISED ONLY

FTSE 100 Enhanced Kick Out Plan 76 - Morgan Stanley option

9% 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 9% per annum.
Product Type:
Capital at Risk
Closing Date:
18/05/2018
ISA Transfer:
27/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
9 % per annum
Find out more
FTSE 100 Step Down Kick Out Plan - Morgan Stanley option brochure ADVISED ONLY

FTSE 100 Step Down Kick Out Plan - Morgan Stanley option

6.95% 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 7.05% per annum, if the FTSE 100 is above a reducing percentage of its starting levels.
Product Type:
Capital at Risk
Closing Date:
18/05/2018
ISA Transfer:
27/04/2018
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.95 % per annum
Find out more
FTSE 100 Defensive Supertracker Plan May 2018 brochure

FTSE 100 Defensive Supertracker Plan May 2018

3x FTSE 100 growth
The plans pays a potential return at maturity equal to 3 times any growth in the FTSE 100 index starting at 90% of its starting level. Any growth received from this plan is capped at 60%. This plan has a 6 year investment term and a 60% European Capital protection barrier.
Product Type:
Capital at Risk
Closing Date:
22/05/2018
ISA Transfer:
10/05/2018
Investment:
Growth
Term:
6 years max
Return:
3 x FTSE 100 growth
Find out more
Risks: Every investment carries Risk. Structured Products place investors’ capital at risk. It is important that you read the product literature so that you fully understand how the product works and you can decide if the risk is acceptable, along with the possible consequences of capital loss before proceeding.
Fees for Non-Advised Investments

All non-advised sales carry an arrangement fee of just 0.3% 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 £50 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

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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STRUCTURED PRODUCTS are “Contract Based” investment solutions which mean that the investment parameters are defined at outset and are generally linked to an investment index – where the return results are correspondingly dependent on the results of the underlying investment index. Generally, the greater the “contract return” the greater the risk taken with the capital and potentially the income derived from the Structured Product.

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