The opportunity for high growth returns
Option 1 of the Investec FTSE 100 Defined Returns Plan 5 is a maximum five year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by any amount from the Initial Index Level, the Plan will mature early and you will receive a fixed return of 40.5% plus the repayment of your initial investment.
If the Index has not risen after three years, the Plan will continue to the end of the five year investment term. If at the end of the term the Final Index Level is above the Initial Index Level then you will receive a fixed return of 67.5% plus the repayment of your initial investment.
If the Plan does not achieve early maturity and the Final Index Level is below the Initial Index Level then you will receive no return and your capital may be at risk.
Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity.
Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
Potential early maturity return at year 3: 40.5%
Potential final maturity return at year 5: 67.5%
Capital at risk investment*
- Investment term - up to 5 Years
- Arrangement fee applies
- Minimum single investment - £3,000
- Maximum Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
Investment deadline for ISA Transfers: The deadline for this plan has now passed. Please fill in the form to receive details of the next plan as soon as they become available
Investment deadline for direct and ISA investment: The deadline for this plan has now passed. Please fill in the form to receive details of the next plan as soon as they become available
*The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
NB. An alternative UK Banks option is also available paying a slightly lower return which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of Aviva plc, Barclays Bank plc, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc. Please see the factsheet and brochure for details.
Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.