Compare Structured Products

View the latest Structured Deposit and Structured Investment plans from the UK's best providers.

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, (subject to the minimum fee of £75, non-advised) and 1.5% of the invested capital, (subject to the minimum advice fee of £300)

We can help you make the most of your money and where advice is taken ensure the product is suitable to meet your investment needs and goals.

Filter our range of structured products

Long Growth Accelerator Plan June 2019 : Option 1

A maximum ten year structured investment product, that offers accelerated growth potential at maturity, of 4 times the amount that the FTSE 100 FDEW closes above 70% of the start level on the end date. The maximum potential return for investors on the end date is 120%. There is also the opportunity that the plan will mature early after 5 years, offering a fixed return of 60% (equal to 12% pa) if the index is above the start level on the 5th anniversary.

Advised
Long Growth Accelerator Plan June 2019 : Option 1
  • Closing Date: Jun 21, 2019
  • ISA Transfer: Jun 7, 2019
Don't forget the risks
  • Potential return: 4 x FTSE 100 FDEW growth
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Long Growth Accelerator Plan June 2019 : Option 2

A maximum ten year structured investment product, that offers accelerated growth potential at maturity, of 6 times the amount that the FTSE 100 FDEW closes above 90% of the start level on the end date. The maximum potential return for investors on the end date is 180%. There is also the opportunity that the plan will mature early after 5 years, offering a fixed return of 102.5% (equal to 20.5% pa) if the index is above 110% of the start level on the 5th anniversary.

Advised
Long Growth Accelerator Plan June 2019 : Option 2
  • Closing Date: Jun 21, 2019
  • ISA Transfer: Jun 7, 2019
Don't forget the risks
  • Potential return: 6 x FTSE 100 FDEW growth
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Long Kick Out Plan June 2019 : Option 1

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 8.25% per year, if the FTSE 100 FDEW is at or above 90% of the start level on one of the kick-out anniversary dates or on the end date.

Advised
Long Kick Out Plan June 2019 : Option 1
  • Closing Date: Jun 21, 2019
  • ISA Transfer: Jun 7, 2019
Don't forget the risks
  • Potential return: 8.25 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Long Kick Out Plan June 2019 : Option 2

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 7.4% per annum, if the FTSE 100 FDEW is at or above 100% of the start level on one of the kick-out anniversary dates from year 3 to year 9, or at or above 65% of the start level on the end date.

Advised
Long Kick Out Plan June 2019 : Option 2
  • Closing Date: Jun 21, 2019
  • ISA Transfer: Jun 7, 2019
Don't forget the risks
  • Potential return: 7.4 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Long Kick Out Plan June 2019 : Option 3

A maximum ten year structured investment product, that offers the potential for early maturity from the end of year 3 with a fixed return of 12.6% per year, if the FTSE 100 FDEW is at or above 100% of the start level on one of the kick-out anniversary dates or on the end date.

Advised
Long Kick Out Plan June 2019 : Option 3
  • Closing Date: Jun 21, 2019
  • ISA Transfer: Jun 7, 2019
Don't forget the risks
  • Potential return: 12.6 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

FTSE Defensive Income Kick Out Plan - May 2019

A maximum ten years two weeks investment offering a potential return of 1.575% per quarter providing the Closing Price of the Index is at or above 75% of the Start Level on each quarterly Observation Date.

Advised
FTSE Defensive Income Kick Out Plan - May 2019
  • Closing Date: May 28, 2019
  • ISA Transfer: May 7, 2019
Don't forget the risks
  • Potential return: 1.575 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/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: 65%
View plan

10:10 FTSE Kick Out Plan June 2019 (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 return of 7.90% gross 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.

10:10 FTSE Kick Out Plan June 2019 (Option 1)
  • Closing Date: Jun 25, 2019
  • ISA Transfer: Jun 5, 2019
Don't forget the risks
  • Potential return: 7.9 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • 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 June 2019 (Option 2)

A maximum ten years two weeks structured investment product, that offers the potential for maturity at the end of year 2 with a return of 10.30% gross per year, provided the FTSE 100 is at or above 100% of the Start Level on one of the Kick Out Dates.

10:10 FTSE Kick Out Plan June 2019 (Option 2)
  • Closing Date: Jun 25, 2019
  • ISA Transfer: Jun 5, 2019
Don't forget the risks
  • Potential return: 10.3 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • 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 June 2019 (Option) 3

A maximum ten year two weeks structured investment product, that offers the potential for maturity at the end of year 2 with a return of 12.45% per year gross, provided the FTSE 100 is at or above 105% of the Start Level on one of the Kick Out Dates.

10:10 FTSE Kick Out Plan June 2019 (Option) 3
  • Closing Date: Jun 25, 2019
  • ISA Transfer: Jun 5, 2019
Don't forget the risks
  • Potential return: 12.45 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 years 2 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 70%
View plan

EVEN 30 Deposit Growth Plan 73

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 180% (1.8x) of any rise (uncapped) in the EVEN 30 after 5 years with no maximum return. Full return of initial deposit at maturity regardless of EVEN 30 performance.

EVEN 30 Deposit Growth Plan 73
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 1.8 × 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 13

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) (not compounded). Full return of initial deposit at maturity regardless of FTSE 100 performance.

FTSE 100 3 Year Defensive Deposit Plan 13
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
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 49

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.

FTSE 100 3 Year Deposit Plan 49
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
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 Deposit Plan 11

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 42%, provided the FTSE 100 is higher than its starting level after 6 years (equivalent to 7% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

FTSE 100 6 Year Deposit Plan 11
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 42 % 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 16 - 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 1.275% per quarter (up to 5.1% per annum)

FTSE 100 Defensive Income Plan 16 - Option 1
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 1.275 % 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 16 - 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 1.675% per quarter (up to 6.7% per annum)

FTSE 100 Defensive Income Plan 16 - Option 2
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 1.675 % 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 Step Down Kick Out Plan 19

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 5.65% per annum, if the FTSE 100 is above a reducing percentage of its starting level.

FTSE 100 Defensive Step Down Kick Out Plan 19
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 5.65 % 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 Enhanced Kick-Out Plan 85 (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 9.6% per annum (not compounded).

FTSE 100 Enhanced Kick-Out Plan 85 (Investec Option)
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 9.6 % 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 27 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 0.26% per month if the FTSE 100 is higher than 75% of its starting level on each Monthly Anniversary Date (equal to 3.12% per annum).

FTSE 100 Income Deposit Plan 27 Monthly
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 3.12 % 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 85

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 (not compounded), with full return of initial deposit at maturity regardless of FTSE 100 performance.

FTSE 100 Kick-Out Deposit Plan 85
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
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 28 (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 6.75% per annum (not compounded), if the FTSE 100 is above a reducing percentage (reduction of 5% per annum) of its starting levels.

FTSE 100 Step Down Kick-Out Plan 28 (Investec Option)
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 6.75 % 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

Investec / Lowes 8:8 Plan 10

Potential for maturity every 6 months from the 2nd anniversary onwards, with a fixed payment equal to 3.5% semi-annually (up to 7% per annum) (not compounded), if the closing level of the FTSE 100 is higher than 92% of the Initial Index Level.

Investec / Lowes 8:8 Plan 10
  • Closing Date: Jun 7, 2019
  • ISA Transfer: May 17, 2019
Don't forget the risks
  • Potential return: 7 % 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: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

iDAD The Callable Defensive Supertracker Plan – June 2019

50% of the Initial Index Level. If the Finish Level of the Underlying Index is less than 50% of the Start Level (representing a decline of more than 50% from the Initial Index Level), your Initial Capital will be lost at a rate of 1% for every 1% the Finish Level of the Underlying Index is below the Initial Index Level.

iDAD The Callable Defensive Supertracker Plan – June 2019
  • Closing Date: Jun 5, 2019
  • ISA Transfer: May 22, 2019
Don't forget the risks
  • Potential return: 10 % per annum if called
  • Product type: Capital at Risk
  • Investment type: Growth/Auto-Call
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 6 years 1 week
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

UK Conditional Quarterly Autocall Issue 7

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 1.75%. The Plan will mature early if the Initial Index Level is at least equal to 105% of its Opening Level on any Quarterly Measurement Date from 25 June 2021. Maximum term 10 years (but your investment could mature early, on quarterly dates.)

UK Conditional Quarterly Autocall Issue 7
  • Closing Date: Jun 24, 2019
  • ISA Transfer: Jun 18, 2019
Don't forget the risks
  • Potential return: 1.75 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Auto-Call
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

Citi FTSE 100 Autocall Plan 28

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 1, 2, 3, 4, 5, 6, 7 or 8 returning your initial investment plus a fixed return equal to 10.35% p.a. not compounded, if the FTSE 100 is equal to or above its Initial Index Level.

Citi FTSE 100 Autocall Plan 28
  • Closing Date: May 24, 2019
  • ISA Transfer: Jan 1, 2018
Don't forget the risks
  • Potential return: 10.35 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 8 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

Credit Suisse FTSE 100 Defensive Autocall Plan 27

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

Credit Suisse FTSE 100 Defensive Autocall Plan 27
  • Closing Date: May 24, 2019
  • ISA Transfer: Jan 1, 2018
Don't forget the risks
  • Potential return: 7 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Suisse AG
  • Investment term: 8 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 60%
View plan

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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.

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