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.

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Long Growth Accelerator Plan December 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. The maximum potential return for investors on the end date is 120%. The plan includes an early maturity feature and can automatically mature on the 5th anniversary, depending on the closing level of the FTSE 100 FDEW. If on the 5th anniversary the FTSE 100 FDEW closes at or above the level needed for early maturity to take place, you will receive the fixed early maturity return and your original investment will be repaid. Option 1 will generate a return of 100% on the 5th anniversary, if the FTSE 100 FDEW closes at or above 110% of the start level.

Advised

Long Growth Accelerator Plan December 2019 : Option 1

Closing Date: Nov 29, 2019
ISA Transfer: Nov 15, 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 FDEW and also depend on the financial stability of the issuer and counterparty bank (Societe Generale). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

Long Growth Accelerator Plan December 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 . The maximum potential return for investors on the end date is 180%. The plan includes an early maturity feature and can automatically mature on the 5th anniversary, depending on the closing level of the FTSE 100 FDEW. If on the 5th anniversary the FTSE 100 FDEW closes at or above the level needed for early maturity to take place, you will receive the fixed early maturity return and your original investment will be repaid. This plan will generate a return of 167.50% on the 5th anniversary, if the FTSE 100 FDEW closes at or above 110% of the start level.

Advised

Long Growth Accelerator Plan December 2019 : Option 2

Closing Date: Nov 29, 2019
ISA Transfer: Nov 15, 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 December 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 11.25% 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 90% of the start level on one of the kick-out anniversary dates or on the end date.

Advised

Long Kick-Out Plan December 2019 : Option 1

Closing Date: Nov 29, 2019
ISA Transfer: Nov 15, 2019

Don't forget the risks

Potential return: 11.25 % 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

FTSE S&P Super Step Down Kick Out Plan November 2019

The FTSE®/S&P Super Step-Down Kick Out Plan November 2019 is a maximum 8-year 3-week investment offering a potential gross investment return 7.25% per annum.

Advised

Closing Date: Nov 27, 2019
ISA Transfer: Nov 13, 2019

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: Morgan Stanley
Investment term: 8 years 3 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and S&P 500 Index and also depend on the financial stability of the issuer and counterparty bank (Morgan Stanley). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE Kick Out Plan December 2019

A maximum eight year two week investment offering a potential gross investment return of 11.25% per annum, for each completed year that the Plan has been in force from year 1. The capital and investment return are linked to the performance of the FTSE 100 Index.

Advised

Closing Date: Dec 12, 2019
ISA Transfer: Nov 28, 2019

Don't forget the risks

Potential return: 11.25 % per annum
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Counterparty: BNP Paribas
Investment term: 8 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (BNP Paribas). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE S&P Defensive Kick Out Plan December 2019

The FTSE/S&P Defensive Kick Out Plan is a maximum 7 year 3 week investment offering a potential gross investment return 10% per annum.

Advised

FTSE S&P Defensive Kick Out Plan December 2019

Closing Date: Dec 12, 2019
ISA Transfer: Nov 28, 2019

Don't forget the risks

Potential return: 10 % per annum
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and S&P 500 Index
Counterparty: HSBC Bank plc
Investment term: 7 years 3 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and S&P 500 Index and also depend on the financial stability of the issuer and counterparty bank (HSBC Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE STOXX Semi-Annual Super Step Down Kick Out Plan December 2019

The FTSE®/STOXX Semi-Annual Super Step-Down Kick Out Plan October 2019 is a maximum 7-year 3-week investment offering a potential gross investment return of 3.50% for each 6-month period that the plan has been in force.

Advised

FTSE STOXX Semi-Annual Super Step Down Kick Out Plan December 2019

Closing Date: Dec 12, 2019
ISA Transfer: Nov 28, 2019

Don't forget the risks

Potential return: 3.25 % every six months
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index and EURO STOXX 50
Counterparty: HSBC Bank plc
Investment term: 7 years 3 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and EURO STOXX 50 and also depend on the financial stability of the issuer and counterparty bank (HSBC Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE® Daily Kick Out Plan December 2019 - Option 1

The FTSE® Daily Kick Out Plan December 2019 - Option 1 is a maximum 8-year 2-week investment offering a potential gross investment return of 9% per annum, payable proportionately from the end of year one.

Advised

Closing Date: Dec 16, 2019
ISA Transfer: Dec 2, 2019

Don't forget the risks

Potential return: 9 % per annum
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Counterparty: BNP Paribas
Investment term: 8 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

FTSE® Daily Kick Out Plan December 2019 - Option 2

The FTSE® Daily Kick Out Plan December 2019 - Option 2 is a maximum 8-year 2-week investment offering a potential gross investment return of 9% per annum, payable proportionately from the end of year two.

Advised

Closing Date: Dec 16, 2019
ISA Transfer: Dec 2, 2019

Don't forget the risks

Potential return: 9 % per annum
Product type: Capital at Risk
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Counterparty: BNP Paribas
Investment term: 8 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 65%

View plan

FTSE Defensive Income Kick Out Plan - November 2019

A maximum ten years two weeks investment offering a potential return of 1.5% for each quarter the plan runs; income is paid if the Closing Price of the Underlying is at or above the Income Trigger Level on a quarterly Observation Date.

Advised

FTSE Defensive Income Kick Out Plan - November 2019

Closing Date: Nov 26, 2019
ISA Transfer: Nov 6, 2019

Don't forget the risks

Potential return: 1.5 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Morgan Stanley). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

10:10 FTSE Kick Out Plan December 2019 (Option 1)

This is a ten-year two-week Plan based on the performance of the FTSE™ 100 Index, the Underlying Asset. The Plan is constructed to offer a Potential Return of 7.75% 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: Dec 17, 2019
ISA Transfer: Nov 27, 2019

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: Goldman Sachs International
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 70%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Goldman Sachs International). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

10:10 FTSE Kick Out Plan December 2019 (Option 2)

This is a ten-year two-week Plan based on the performance of the FTSE™ 100 Index, the Underlying Asset. The Plan is constructed to offer a Potential Return of 10.45% 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: Dec 17, 2019
ISA Transfer: Nov 27, 2019

Don't forget the risks

Potential return: 10.45 % per annum
Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: FTSE 100 Index
Counterparty: Goldman Sachs International
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of term
Barrier level: 70%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Goldman Sachs International). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

10:10 FTSE Kick Out Plan December 2019 (Option 3)

This is a ten-year two-week Plan based on the performance of the FTSE™ 100 Index, the Underlying Asset. The Plan has three options and is constructed to offer a Potential Return of 12.75% 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: Dec 17, 2019
ISA Transfer: Nov 27, 2019

Don't forget the risks

Potential return: 12.75 % per annum
Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: FTSE 100 Index
Counterparty: Goldman Sachs International
Investment term: 10 years 2 weeks
Kick-out / Early maturity: Yes
Barrier type: End of Term
Barrier level: 70%

View plan

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Goldman Sachs International). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

EVEN 30 Deposit Growth Plan 77

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 (uncapped) 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: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 2 × any rise in the 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

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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.

FTSE 100 3 Year Defensive Deposit Plan 17

A maximum three year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 10%, provided the FTSE 100 is higher than 90% of its starting level after 3 years (equivalent to 3.5% per annum) (not compounded). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 10 % 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

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FTSE 100 3 Year Deposit Plan 53

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 14%, provided the FTSE 100 is higher than its starting level after 3 years (equivalent to 4.66% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 14 % 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

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FTSE 100 6 Year Defensive Deposit Plan 25 (Min return version)

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 18%, provided the FTSE 100 is higher than 100% of its initial index level on the Final Maturity Date. If the FTSE 100 is equal to or lower than 100% of its starting level on the Final Maturity Date, the Plan will repay your initial investment plus a 9% return, which may be less than the return that you would have received from another type of deposit product.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 18 % return / 9% 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

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FTSE 100 6 Year Deposit Plan 15

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.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 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 20 - 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 1.25% per quarter (up to 5% per annum)

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 1.25 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE 100 Defensive Income Plan 20 - 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 1.7% per quarter (up to 6.80% per annum)

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 1.7 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE 100 Defensive Kick Out Deposit Plan 15

The FTSE 100 Defensive Kick-Out Deposit Plan provides potential for maturity at the end of years 3, 4, 5 or 6 with a fixed payment equal to 4% per annum (not compounded) if the FTSE 100 is above a reducing percentage of its starting level.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 4 % 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 Defensive Step Down Kick Out Plan 23

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 5.75% per annum, if the FTSE 100 is above a reducing percentage of its starting level.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 5.75 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE 100 Enhanced Kick-Out Plan 89

A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. If at the end of years 1, 2, 3, 4, 5 or 6 the FTSE 100 is higher than its starting level the Plan will mature (Kick-Out) returning your initial investment plus a fixed payment equal to 10% per annum (not compounded).

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 10 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

FTSE 100 Income Deposit Plan 31 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 0.21% per month if the FTSE 100 is higher than 75% of its starting level on each Monthly Anniversary Date (equal to 2.52% per annum).

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 2.52 % 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

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FTSE 100 Kick-Out Deposit Plan 89

A maximum six year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 3, 4, 5 or 6, paying a Gross Return equivalent to 5.25% per annum (not compounded), with full return of initial deposit at maturity regardless of FTSE 100 performance.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 5.25 % 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 32

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 (not compounded), if the FTSE 100 is above a reducing percentage (reduction of 5% per annum) of its starting levels.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 7 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

Investec / Lowes 8:8 Plan 14

Potential for maturity every 6 months from the 2nd anniversary onwards, with a fixed payment equal to 3.625% semi-annually (up to 7.25% per annum) (not compounded), if the closing level of the FTSE 100 is equal to or higher than 92% of the Initial Index Level.

Closing Date: Dec 13, 2019
ISA Transfer: Nov 22, 2019

Don't forget the risks

Potential return: 7.25 % 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 Index and also depend on the financial stability of the issuer and counterparty bank (Investec Bank plc). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

Hilbert Kick Out Series: 3 Stock Defensive Autocall 2

Opportunity for a Fixed Growth Return, depending on the performance of Barclays Plc, Aviva Plc and Vodafone Group Plc. Maximum 7 year term (but your investment could mature early from the first semi annual observation date) Issued by Citigroup Global Markets Funding Luxembourg S.C.A. Capital is not protected, and you may lose some or all of your investment

Closing Date: Jan 6, 2020
ISA Transfer: Dec 30, 2019

Don't forget the risks

Potential return: 18.15 % per annum
Product type: Capital at Risk
Investment type: Auto-Call/Kick-Out
Market / index link: Barclays PLC, Aviva PLC, 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

Capital at risk: The potential returns of this plan and repaying the money invested are linked to the level of the Barclays PLC, Aviva PLC, Vodafone Group PLC and also depend on the financial stability of the issuer and counterparty bank (Citigroup Global Markets Ltd). You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

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.