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Capital Protected Investments

Oliver Roylance-Smith, Director

Our view:

"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 £85,000 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  

Capital Protected Income Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Investec FTSE 100 Income Deposit Plan Investec Bank plcyes6 years

3.50%

per annum

More Info >
  • Potential annual income of 3.50%
  • Income paid if the FTSE 100 finishes above 75% of its starting value
  • Alternative monthly option also available paying potential 0.28% per month (equivalent to 3.36% pa)  
  • Capital protected
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISA & ISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Capital Protected Growth Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 6 Year Deposit PlanInvestec Bank plcyes6 years

45%

at end of term

More Info >
  • 45% fixed return if the Index is higher
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Also available for Cash ISA & ISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

6%

per annum

More Info >
  • 6% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
6 Year Defensive Deposit PlanInvestec Bank plcyes6 years

25%

at end of term

More Info >
  • 25% fixed return if the Index is higher than 75% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE 100 3 Year Deposit PlanInvestec Bank plcyes3 years

15%

at end of term

More Info >
  • Target return of 15%
  • Capital protected
  • Low minimum - £3,000
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
FTSE 100 Defensive Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

4.5%

per annum

More Info >
  • 4.5% for each year if the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to 85% over the term
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
FTSE 100 3 Year Defensive Deposit PlanInvestec Bank plcyes3 years

10.5%

at end of term

More Info >
  • 10.5% fixed return if the Index is higher than 90% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Short/medium term alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

 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.