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). For advised Structured Product investments the fee is 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

Tempo FTSE 100 EWFD Long Growth & Kick-Out Plan: September 2021

This is a maximum 10 year plan linked to the FTSE 100 EWFD, which provides accelerated growth, from a defined percentage of the start level - with an early maturity feature. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 4 x amount the FTSE 100 EWFD closes above 80% of start level
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

Tempo FTSE 100 EWFD Long Income Plan: September 2021 - Option 1

This is a maximum 10 year plan with two investment options, linked to the FTSE 100 EWFD, offering conditional income each quarter of 0.8875%, including an innovative memory feature, for Option 1 if the FTSE 100 EWFD closes at or above 50% of the start level on a quarterly income date – with an early maturity feature from the end of the 3rd year. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 0.8875 % per quarter (3.55% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Tempo FTSE 100 EWFD Long Income Plan: September 2021 - Option 2

This is a maximum 10 year plan with two investment options, linked to the FTSE 100 EWFD, offering conditional income each quarter of 1.25%, including an innovative memory feature, for Option 2 if the FTSE 100 EWFD closes above 80% of the start level on a quarterly income date – with an early maturity feature from the end of the 3rd year. The investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 1.25 % per quarter (5% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

Tempo FTSE 100 EWFD Long Kick-Out Plan September 2021 - 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 9.90% per year, If the FTSE 100 EWFD closes at or above 100% of the start level on one of the kick-out anniversary dates or on the end date. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 9.9 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Tempo FTSE 100 EWFD Long Kick-Out Plan September 2021 : 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 7.00% per year, that accumulates (in other words, builds up) for each year that the plan runs and is paid if the FTSE 100 FDEW closes at or above a reducing percentage of the start level on one of the kick‑out anniversary dates or on the end date (reducing from 100% on the third anniversary to 75.5% on the final anniversary). This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 7 % per annum
  • Product type: Capital at Risk
  • Investment type: Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Tempo FTSE 100 EWFD Long Kick-Out Plan September 2021 : 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 7.65% per year, that accumulates (in other words, builds up) for each year that the plan runs and is paid if the FTSE 100 EWFD closes at or above a reducing percentage of the start level on one of the kick‑out anniversary dates (reducing from 100% on the third anniversary to 82.5% on the final anniversary). This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 27, 2021
  • ISA Transfer: Aug 9, 2021
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 FDEW
  • Counterparty: Societe Generale
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

FTSE STOXX Step Down Kick Out Plan August 2021

A maximum seven-year three-week investment offering a potential gross investment return of 6.90% payable for each year in force from year 1. The capital and investment return are linked to the performance of the FTSE 100 Index and the EURO STOXX 50.

  • Closing Date: Aug 18, 2021
  • ISA Transfer: Aug 4, 2021
Don't forget the risks
  • Potential return: 6.9 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50
  • Counterparty: Morgan Stanley
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

FTSE Kick-Out Plan August 2021 (Option 1)

The Meteor FTSE Kick-Out Plan August 2021 (Option 1) is a maximum eight-year three-week investment offering a potential gross investment return of 7.35% payable for each year in force from year 1. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 26, 2021
  • ISA Transfer: Aug 12, 2021
Don't forget the risks
  • Potential return: 7.35 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Kick-Out Plan August 2021 (Option 2)

The Meteor FTSE Kick-Out Plan August 2021 (Option 2) is a maximum eight-year three-week investment offering a potential gross investment return of 6.75% payable for each year in force from year 1. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 26, 2021
  • ISA Transfer: Aug 12, 2021
Don't forget the risks
  • Potential return: 6.75 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE Step Down Kick-Out Plan August 2021 (Option 1)

The Meteor FTSE Step Down Kick-Out Plan August 2021 (Option 1) is a capital at risk investment offering a potential gross investment return of 6.10% payable for each year in force from year 1. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 26, 2021
  • ISA Transfer: Aug 12, 2021
Don't forget the risks
  • Potential return: 6.1 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Step Down Kick-Out Plan August 2021 (Option 2)

The Meteor FTSE Step Down Kick-Out Plan August 2021 (Option 2) is a maximum eight-year three-week investment with a potential gross investment return of 5.50% payable for each year in force from year 1. This investment is only available on an 'Advised' basis.

  • Closing Date: Aug 26, 2021
  • ISA Transfer: Aug 12, 2021
Don't forget the risks
  • Potential return: 5.5 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE/S&P Kick Out Plan August 2021

A maximum seven-year three-week investment offering a potential gross investment return of 8% payable for each year in force from year 1. The capital and investment return are linked to the performance of the FTSE 100 Index and S&P 500 Index. This plan is only available on an Advised basis.

  • Closing Date: Aug 26, 2021
  • ISA Transfer: Aug 12, 2021
Don't forget the risks
  • Potential return: 8 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE Growth Kick Out Plan September 2021

The Meteor FTSE Growth Kick Out Plan September 2021 is a maximum eight-year three-week investment offering a potential gross investment return of 9% payable for each year in force from year 1. This investment is only available on an Advised basis.

  • Closing Date: Sep 8, 2021
  • ISA Transfer: Aug 24, 2021
Don't forget the risks
  • Potential return: 9 % payable for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 8 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Daily Kick Out Plan September 2021 (Option 2)

The Meteor FTSE Daily Kick Out Plan September 2021 (Option 2) is a maximum seven-year three-week investment offering a potential gross investment return equivalent to 6.50% p.a. based on days in force, payable from Year 2. This investment is only available on an Advised Basis.

  • Closing Date: Sep 14, 2021
  • ISA Transfer: Aug 31, 2021
Don't forget the risks
  • Potential return: 6.5 % p.a. based on days in force, payable from Year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Daily Kick-Out Plan September 2021 (Option 1)

A maximum seven-year three-week investment offering a potential gross investment return of 7.50% per annum based on days in force, payable from year 2. The capital and investment return are linked to the performance of the FTSE 100 Index. This plan is only available on an Advised basis.

  • Closing Date: Sep 14, 2021
  • ISA Transfer: Aug 31, 2021
Don't forget the risks
  • Potential return: 7.5 % pa based on days in force, payable from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Growth Deposit Plan August 2021

This is a six-year three-week investment with the potential to pay a fixed gross interest amount of 14% of the money you invest if the Final Level of the Index is at least equal to its Opening Level.

  • Closing Date: Aug 16, 2021
  • ISA Transfer: Aug 2, 2021
Don't forget the risks
  • Potential return: 14 % at maturity
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK Kick Out Deposit Plan August 2021

This is a maximum six-year three-week investment with the potential to provide an interest payment at the Maturity Date equal to 12%.

  • Closing Date: Aug 16, 2021
  • ISA Transfer: Aug 2, 2021
Don't forget the risks
  • Potential return: 2 % per annum
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK Fixed Monthly Income Plan August 2021

The MB Structured Investments UK Fixed Monthly Income Plan August 2021 is a four-year three-week investment which will pay a fixed income payment of 0.2575% per month (3.09% p.a.) regardless of the performance of the Index.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 0.2575 % per month income (3.09% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 4 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Growth Kick Out Plan August 2021

The MB Structured Investments UK Growth Kick Out Plan August 2021 is a maximum five-year three-week investment offering a potential gross investment return of 8.25% for each year that the plan has been in force from year 1.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 8.25 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Kick Out Plan (Y2 60) August 2021

This is a maximum five-year three-week investment with a Potential gross investment return of 6.25% payable for each year that the plan has been in force from year 2.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 6.25 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

MB Structured Investments UK Kick Out Plan (Y2 65) August 2021

The MB Structured Investments UK Kick Out Plan (Y2 65) August 2021 is a maximum seven-year three-week investment offering a potential gross investment return of 7.25% payable for each year in force from year 2.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 7.25 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Kick Out Plan (Y3 60) August 2021

The MB Structured Investments UK Kick Out Plan (Y3 60) August 2021 plan is a maximum five-year three-week investment offering a potential gross investment return of 6.10% payable for each year in force from year 3.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 6.1 % payable for each year in force from year 3
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

MB Structured Investments UK Quarterly Contingent Income Plan August 2021

The MB Structured Investments UK Quarterly Contingent Income Plan August 2021 is a maximum six-year three-week investment offering a potential gross income payment of 1.05% per quarter.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 1.05 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Step Down Kick Out Plan (Y3 60) August 2021

The MB Structured Investments UK Step Down Kick Out Plan (Y3 60) August 2021 is a maximum six-year three-week investment offering a potential gross investment return of 5% payable for each year in force from year 3.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 5 % payable for each year in force from year 3
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

MB Structured Investments UK Step Down Kick Out Plan August 2021

The MB Structured Investments UK Step Down Kick Out Plan August 2021 is a maximum five-year three-week investment offering a potential gross investment return of 5.75% for each year in force from year 1.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 5.75 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Super Defensive Kick Out Plan August 2021

The MB Structured Investments UK Super Defensive Kick Out Plan August 2021 is a maximum seven-year three-week investment offering a potential gross investment return of 5% payable for each year in force from year 1.

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 5 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK Super Growth Kick Out Plan August 2021

The MB Structured Investments UK Super Growth Kick Out Plan August 2021 is a maximum seven-year three-week investment offering a potential gross investment return of 9% payable for each year in force from year .

  • Closing Date: Aug 24, 2021
  • ISA Transfer: Aug 10, 2021
Don't forget the risks
  • Potential return: 9 % for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 7 -years 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana 8:8 Plan FTSE CSDI Version - August 2021

The Mariana 8:8 Plan FTSE CSDI Version - August 2021 is an 8-year two-week capital at risk kick out plan offering a potential return of 3.25% for each six-month period the Plan runs (6.5% p.a.) with the possibility of early maturity and full repayment of Initial Capital from the end of the Plan's second year and semi-annually thereafter.

  • Closing Date: Aug 6, 2021
  • ISA Transfer: Jul 21, 2021
Don't forget the risks
  • Potential return: 6.5 % per annum (paid gross)
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE CSDI
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 8 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana 10:10 Plan FTSE CSDI Version September 2021 (Option 1)

This is a maximum ten-years two-weeks plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index (FTSE CSDI), the Underlying Asset. The Plan is constructed to offer a Potential Return of 7% for each year the Plan runs, paid gross, with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Sep 10, 2021
  • ISA Transfer: Aug 24, 2021
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 CSDI
  • Counterparty: Morgan Stanley
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

Mariana 10:10 Plan FTSE CSDI Version September 2021 (Option 2)

This is a ten-year two-week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan is constructed to offer a Potential Return of 8.75% for each year the Plan runs, paid gross, with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Sep 10, 2021
  • ISA Transfer: Aug 24, 2021
Don't forget the risks
  • Potential return: 8.75 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE CSDI
  • Counterparty: Morgan Stanley
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

Mariana 10:10 Plan FTSE CSDI Version September 2021 (Option 3)

This is a ten-year two-week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan has three options and is constructed to offer a Potential Return of 10.75% and repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Sep 10, 2021
  • ISA Transfer: Aug 24, 2021
Don't forget the risks
  • Potential return: 10.75 % per annum (paid gross)
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE CSDI
  • Counterparty: Morgan Stanley
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 70%
View plan

Hilbert Income Series: 3 Stock Conditional Quarterly Autocall Issue 5

An opportunity for quarterly income payments, depending on the performance of BP Plc, British American Tobacco Plc and Vodafone Group Plc.

  • Closing Date: Aug 13, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 2.5 % gross for each Quarterly measurement date
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: BP Plc, British American Tobacco Plc and Vodafone Group Plc
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 7 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Hilbert Kick Out Series: 3 Stock Defensive Autocall - Issue 9

This is a capital at risk investment offering a potential return of 15% p.a. (7.5% semi annually), depending on the performance of BP Plc, British American Tobacco Plc and Vodafone Plc. It has a maximum term of up to 7 years, however, the plan can mature early from the first annual observation date, if certain criteria are met.

  • Closing Date: Aug 13, 2021
  • ISA Transfer: Aug 9, 2021
Don't forget the risks
  • Potential return: 15 % per annum (7.5% Semi Annually)
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: BP Plc, British American Tobacco Plc and Vodafone Group Plc
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 7 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 50%
View plan

Causeway Securities FTSE 100 Kick-Out Plan August 2021

The Causeway Securities FTSE 100 Kick-Out Plan August 2021 is a maximum 7-year investment offering a potential investment return of 7.25% for each year the Plan runs (paid gross), only payable if the Plan Kicks-Out.

  • Closing Date: Aug 13, 2021
  • ISA Transfer: Jul 30, 2021
Don't forget the risks
  • Potential return: 7.25 % for each year the plan runs (paid gross)
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Societe Generale
  • Investment term: 7 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
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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