High returns even if the FTSE drops 10%
“Morgan Stanley’s Defensive Bonus Plan offers a very competitive annual return of 11.5% provided the FTSE 100 at the end of each year (from year 2 onwards) is no more than 10% below its value at the start of the investment. In this case you would also receive a full return of your initial investment.
If the investment does not produce a gain then your capital will still be returned in full unless the FTSE 100 is down by 50% or more at the end of the investment, in which case your original investment will be reduced by 1% for each 1% fall.
Most of us would agree that growth of 11.5% a year is a very sound return on our investment. So if you are prepared to put your capital at risk and want high returns whether the market falls slightly, remains flat or rises, this is an investment worth considering. But you will have to hurry since this is a limited offer which ends very soon.”
Oliver Roylance-Smith, head of savings and investment
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This is a structured investment plan that is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the FTSE 100 Index.
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 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.