"In the current investment climate you may be reluctant to expose your capital to the unpredictability of the stock market. With this in mind, there is a growing number of plans which provide investors with access to stock market linked returns while offering your initial investment full capital protection. These structured deposit plans are also eligible for the Financial Services Compensation Scheme (FSCS) up to £75,000 per person, per institution. Returns are dependent on the performance of an underlying investment (e.g. the FTSE 100 Index) and are designed to offer the potential for either income or growth. They have a fixed term, usually between 3 and 6 six years, although some have the ability to mature early from as early as year 2 onwards. These plans offer a middle ground for those looking for investment level returns but who do not wish to risk their capital."
Oliver Roylance-Smith, Head of Investments and Savings