Bearish About The FTSE 100?

Oliver Roylance-Smith, Director

Our View: 

"In the table below you will find our selection of plans that we think offer the best investment opportunities if you have a bearish outlook on the FTSE 100 Index. The objective of these plans is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a falling market".  


Oliver Roylance-Smith , Head of Investments and Savings

Defensive Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Defensive Growth PlanInvestec Bank plcyes6 years

34.0%

after 6 years

More Info >
  • 34% after 6 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for ISA, and ISA transfer
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Only available for new ISA investments or ISA transfers, not direct investments
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

8.25%

per annum

More Info >
  • 8.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Alternative collateralised option available paying 7.4% with 40% capital at risk barrier but additonal protection from 5 UK financial institutions
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for direct and ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Defensive Kick-Out PlanInvestec Bank plcyesUp to
6 years

7.75%

per annum

More Info >
  • 7.75% for each year (not compounded) provided the FTSE 100 finishes above 90% of its starting value
  • Potential to mature early, from year 3 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for direct and ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE Defensive Kick Out PlanCredit Suisse AGyesUp to
6 years

7.30%

per annum

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  • Potential early maturity return of 7.30% x the number of years the plan has been active
  • Maximum 6 year structured investment plan
  • Potential for early maturity from year 2
  • Kick out level required reduces by 20% over term of plan
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 30 November 2016
  • Investment deadline for direct & ISA applications by cheque - 8 December 2016 
  • Investment deadline for direct & ISA applications by bank transfer - 14 December 2016
  • Capital at risk
  • Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Credit Suisse AG to pay at maturity
  • Arrangement fee applies
  • If you decide to sell the plan early, you may get back less than your original investment
  • May close early if oversubscribed
FTSE Step Down Kick Out PlanNatixisyesUp to
6 years

7.30%

per annum

More Info >
  • Potential early maturity return of 7.30% x the number of years the plan has been active
  • Maximum 6 year structured investment plan
  • Potential for early maturity from year 2
  • Kick out level required reduces by 20% over term of plan
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 4 January 2017
  • Investment deadline for direct and ISA applications by cheque - 12 January 2017
  • Investment deadline for direct and ISA applications by bank transfer - 18 January 2017
  • Capital at risk
  • Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Natixis to pay at maturity
  • Arrangement fee applies
  • If you decide to sell the plan early, you may get back less than your original investment
  • May close early if oversubscribed
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.