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We provide Structured Products to both private and corporate investors on an advised and non-advised basis. Straightforward, affordable and an arrangement fee of just 0.5%* per investment, we can help you make the most of your money.

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Dual Index Defensive Income Kick Out Plan November 2018

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.

  • Closing Date: Nov 6, 2018
  • ISA Transfer: Oct 17, 2018
Don't forget the risks
  • Potential return: 1.8 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Morgan Stanley
  • Investment term: 10 years two weeks (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

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

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.

  • Closing Date: Nov 13, 2018
  • ISA Transfer: Oct 24, 2018
Don't forget the risks
  • Potential return: 8.17 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Morgan Stanley
  • Investment term: 10 years 2 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

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

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.

  • Closing Date: Nov 13, 2018
  • ISA Transfer: Oct 24, 2018
Don't forget the risks
  • Potential return: 12.33 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Morgan Stanley
  • Investment term: 10 years 2 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

FTSE Defensive Digital Deposit Plan Novmber 2018

This is a six year two weeks Deposit Plan based on the performance of the FTSE 100 Index. The Deposit Plan is constructed to offer a potential return of 25.50% payable at maturity providing the closing price of the FTSE 100 Index is at or above 95% of the Start Level on the Maturity Date.

  • Closing Date: Nov 13, 2018
  • ISA Transfer: Oct 24, 2018
Don't forget the risks
  • Potential return: 25.5 % return
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 6 years two weeks (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

10 Year Step Down Kick Out Plan November 2018

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.

  • Closing Date: Nov 20, 2018
  • ISA Transfer: Oct 31, 2018
Don't forget the risks
  • Potential return: 7.75 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Natixis
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

EVEN 30 Deposit Growth Plan 69

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 200% (2x) 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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 2 × any growth in EVEN 30
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: EVEN 30 Index
  • Counterparty: Investec Bank plc
  • Investment term: 5 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 3 Year Defensive Deposit Plan 9

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 10.5 % return
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 3 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 3 Year Deposit Plan 9

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 15 % return
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 3 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 6 Year Defensive Deposit Plan 17

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 25 % return
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 6 Year Deposit Plan 7

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 45 % return
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 Defensive Income Plan 12 - Option 1

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%

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 1.45 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 8 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE 100 Defensive Income Plan 12 - Option 2

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%

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 1.8 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 8 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE 100 Defensive Kick Out Deposit Plan 7

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 (not compounded) if the FTSE 100 is above a reducing percentage of its starting level.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 4.5 % per annum
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 Enhanced Income Plan 47

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 4.2 % per annum
  • Product type: Capital at Risk
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 5 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE 100 Enhanced Kick-Out Plan 81 (Investec Option)

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 10.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE 100 Income Deposit Plan 23 Annual

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 3.5 % per annum
  • Product type: Deposit Based
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 Income Deposit Plan 23 Monthly

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).

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 3.36 % per annum
  • Product type: Deposit Based
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 Kick-Out Deposit Plan 81

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 6 % per annum
  • Product type: Deposit Based
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

FTSE 100 Step Down Kick-Out Plan 24 (Investec Option)

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 7.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE S&P 500 Defensive Step Down Kick Out Plan 11

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 7.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE STOXX Defensive Step Down Kick Out Plan 15

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 7.65 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50
  • Counterparty: Investec Bank plc
  • Investment term: 6 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Investec / Lowes 8:8 Plan 6

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.

  • Closing Date: Nov 21, 2018
  • ISA Transfer: Nov 2, 2018
Don't forget the risks
  • Potential return: 8 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Investec Bank plc
  • Investment term: 8 years (maximum)
  • Kick-out / Early maturity: No
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Credit Suisse FTSE/EuroStoxx Defensive Autocall Plan 13

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.

  • Closing Date: Oct 31, 2018
  • ISA Transfer: Jan 1, 2018
Don't forget the risks
  • Potential return: 9 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50
  • Counterparty: Credit Suisse AG
  • Investment term: 7 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

Citi FTSE 100 Defensive Autocall Plan 14

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.

  • Closing Date: Nov 8, 2018
  • ISA Transfer: Jan 1, 2018
Don't forget the risks
  • Potential return: 6.6 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 7 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Product Providers

Don’t forget the risks

All investments carry risk. It is identifying those risks, understanding how they may affect an investment and assessing whether an investment is suitable for your circumstances that is important.

The potential returns of most structured products and repaying the money invested are usually linked to the level of a stock market index and also depend on the financial stability of the issuer and counterparty bank. You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

You should always read the relevant plan brochure and any other plan documentation, for full details of a plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions there are other important documents, including a Key Information Document (‘KID’), that you should consider, before deciding to invest in a plan.

Structured products should only be considered as part of a diversified and balanced portfolio.

Below is a summary of some of the main risks usually associated with an investment in structured products plans:

Market risk to potential returns

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

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

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

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

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

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

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

'Protected' types of structured products

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

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

Issuer and counterparty bank risk

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

Financial Services Compensation Scheme ('FSCS') protection

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

Structured deposits

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

Structured Products Investor newsletter

We are also delighted to be able to introduce a new client newsletter, the Best Price FS Structured Products Investor, with the support of Tempo.

Contributing journalists will include the highly respected Financial Times ‘adventurous investor’ columnist, David Stevenson.

The first publication also features an article written by the global head of Tempo, Chris Taylor.

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