Up to 70% return even if the FTSE falls by 15%

Up to 70% return even if the FTSE falls by 15%

21 June 2012 / by Oliver Roylance-Smith

Attractive returns even if the FTSE falls by 15%

"We all know that the stockmarket is unpredictable, a mixture of ups and downs with no pattern that can be identified in advance. With this in mind, if you are at all unsure that the FTSE 100 will only go up in the future, then these latest two investments from Morgan Stanley could be worth considering.

The Defensive Digital Plan aims to provide 12% at the end of its 2 year term, while for the longer term investor, the Booster Plan offers the potential for a fixed return of 70%. The stated return will be received provided the FTSE has not fallen by more than 15% at the end of the investment - competitive growth rates when you consider the peace of mind from receiving a return on your investment even if the FTSE falls.

With both investments your capital is at risk if the FTSE has fallen by more than 50% at the end of the investment term, in which case the Defensive Digital plan will reduce your original investment by 1% for every 1% the FTSE has fallen, whilst the Booster Plan includes a feature which allows a return of at least your original capital unless the FTSE falls by more than 50%."

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.