The potential to beat low savings rates with a 16% return after 3 years

The potential to beat low savings rates with a 16% return after 3 years

20 July 2012 / by Oliver Roylance-Smith

Give your savings and cash ISAs a boost...

“Leading 3 year fixed rates are offering around 4% per annum whilst 3 year cash ISA fixed rates are much lower around the 3.5% mark. Historically these are very low returns and even though the recent reductions in inflation have given us all some welcome breathing room, it is important to keep up to date with all of other opportunities available.

Investec’s 3 Year Deposit Plan will provide a fixed return of 16% provided the FTSE 100 at the end of the 3 year term is higher than its starting value, subject to averaging.

The downside is the rate is not fixed and if the FTSE is lower, you only get your capital back. The upside is that this potential return equates to almost 5.1% per year - a healthy premium on leading fixed term rates, especially those available for cash ISAs.”

Oliver Roylance-Smith, head of savings and investment

Request a brochure for the Investec 3 Year Deposit Plan

This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.

If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.