Welcome to the new way of investing in Structured Products.

With an arrangement fee of just 0.3%* per investment, get the best rate in the UK.

*A minimum fee of £50 applies for all private investments.

We provide Structured Product investments to both private and corporate investors on an advised and non-advised basis. Choose the most affordable way of investing, save over £300 per investment.

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

Average investment £22,500
Typical 1.65% fee £371
Our 0.3% fee £68
Investor saving £303
Compare our range of structured products

A minimum fee of £50 applies for ISAs, ISA transfers and Direct cash investments. All other investments carry a minimum fee of £100.
You'll never pay more than £300 for your investment.

FTSE Defensive Supertracker Plan August 2017

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:
29/08/2017
ISA Transfer:
14/08/2017
Investment:
Growth
Term:
6 years max
Return:
2 x any rise in the FTSE 100

FTSE Step Down Kick-Out Plan September 2017 (BNP)

6% per annum
A maximum six year two week investment offering a potential gross investment return of 6% 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:
11/09/2017
ISA Transfer:
25/08/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6 % per annum

Dual Index Semi-Annual Defensive Kick Out Plan September 2017

8% per annum
A maximum 6 year 2 week investment offering a potential gross investment return of 4% for each 6 month period 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.
Product Type:
Capital at Risk
Closing Date:
13/09/2017
ISA Transfer:
30/08/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
8 % per annum

FTSE Defensive Kick Out Plan September 2017

6.3% per annum
A maximum 6 year, 2 week structured investment plan, offering a potential gross 12.6% at Year 2 increasing by 6.3% each year thereafter, provided the FTSE 100 is at or above a reducing Reference Level.
Product Type:
Capital at Risk
Closing Date:
20/09/2017
ISA Transfer:
06/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.3 % per annum

FTSE Kick Out Plan September 2017

8.5% per annum
A maximum six year two week investment offering a potential gross investment return of 8.5% 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.
Product Type:
Capital at Risk
Closing Date:
20/09/2017
ISA Transfer:
06/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
8.5 % per annum

FTSE STOXX Defensive Kick Out Plan September 2017

7.4% per annum
A maximum 6 year, 2 week structured investment plan, offering a potential 7.4% pa gross return, provided the FTSE and EURO STOXX are at or above a reducing reference level
Product Type:
Capital at Risk
Closing Date:
20/09/2017
ISA Transfer:
06/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.4 % per annum

Dual Index Kick Out Deposit Plan 3

5.5% per annum
Return of your initial deposit, plus: Potential for maturity at the end of years 3, 4, 5, 6, 7 or 8 with a fixed payment equal to 5.5% per annum, if both the FTSE 100 and EURO STOXX 50 are above their respective starting levels.
Product Type:
Deposit Based
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
8 years max
Return:
5.5 % per annum

Dual Index Step Down Kick-Out Plan 16 (UK 5 Option)

6.2% 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 6.2% per annum, if both the FTSE 100 and S&P 500 are above a reducing percentage (reduction of 5% per annum) of their starting levels.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.2 % per annum

Dual Index Step Down Kick-Out Plan 17 (Investec Option)

8% 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 8% per annum, if both the FTSE 100 and S&P 500 are above a reducing percentage (reduction of 5% per annum) of their starting levels.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
8 % per annum

EVEN 30 Deposit Growth Plan 59

1.6× 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 160% (1.6x) 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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Growth
Term:
5 years max
Return:
1.6 × any growth in EVEN 30

FTSE 100 4 Year Deposit Plan 18

14% 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 14%, provided the FTSE 100 is higher than its starting level after 4 years (equivalent to 3.5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Growth
Term:
4 years max
Return:
14 % return

FTSE 100 5 Year Defensive Deposit Plan 4

18.5% return
A maximum five year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 18.5%, provided the FTSE 100 is higher than 95% of its starting level after 5 years (equivalent to 3.7% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Growth
Term:
5 years max
Return:
18.5 % return

FTSE 100 Defensive Kick-Out Plan 44

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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7 % per annum

FTSE 100 Defensive Step Down Kick Out Plan 5

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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
6.25 % per annum

FTSE 100 Enhanced Income Plan 37

4.35% 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 0.3625% per month (4.35% per annum) over the 6 year term, regardless of the performance of the FTSE 100.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Income
Term:
6 years max
Return:
4.35 % per annum

FTSE 100 Enhanced Kick-Out Plan 71 (Investec Option)

9.65% 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 9.65% per annum.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
9.65 % per annum

FTSE 100 Enhanced Kick-Out Plan 71 (UK 5 Option)

7% 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% per annum.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7 % per annum

FTSE 100 Kick-Out Deposit Plan 71 (option1)

4% 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 4% per annum, with full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
4 % per annum

FTSE 100 Kick-Out Deposit Plan 71 (option2)

4.5% per annum
A maximum eight year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 4, 5, 6, 7 or 8 paying a Gross Return equivalent to 4.5% per annum, with full return of initial deposit at maturity regardless of FTSE 100 performance.
Product Type:
Deposit Based
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
8 years max
Return:
4.5 % per annum

FTSE 100 Step Down Kick Out Plan 13 (UK 5 Option)

5.75% per annum
Potential for maturity 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 level.
Product Type:
Capital at Risk
Closing Date:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
5.75 % per annum

FTSE 100 Step Down Kick-Out Plan 14 (Investec Option)

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 2, 3, 4, 5 or 6 with a fixed payment equal to 7% 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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7 % per annum

FTSE S&P 500 Defensive Step Down Kick Out Plan 1

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 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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7 % per annum

FTSE STOXX Defensive Step Down Kick Out Plan 5

7.75% 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 7.75% 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:
22/09/2017
ISA Transfer:
01/09/2017
Investment:
Auto-Call/Kick-Out
Term:
6 years max
Return:
7.75 % per annum
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.
Managed Portofolio Service

This Service offers a simpler and better way to invest into structured products, without the time and effort required to select individual products.

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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 in 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.

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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