Income Structured Investment Plans

Income structured investments offer either a fixed level of income, with the return of your capital dependent on the performance of the underlying investment (e.g. the FTSE 100 Index), or alternatively a variable level of income where both the level of income and the return of your capital are dependent on the performance of the underlying investment. The tables below highlight our fixed and variable income plan selections.


Income is normally paid either monthly or quarterly and all of the plans listed will accept New ISA investments, Cash ISA and Stocks & Shares ISA transfers, as well as non-ISA investments. These investment plans offer an interesting alternative to traditional investment funds.

Investing for Fixed Income - FTSE linked
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years

5.04%

fixed income

More Info >
  • 5.04% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for 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
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.

Investing for Income - FTSE linked
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Quarterly Contingent Income PlanDanske Bank A/SyesMaximum 6 years

6.00%

per annum

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  • Up to 6% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Quarterly payments
  • Plan can mature early each quarter from year 3 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline for NISA transfers - 30 December 2015
  • Investment deadline for direct and NISA applications by cheque - 7 January 2016
  • Investment deadline for direct and NISA applications by bank transfer - 13 January 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Kick-Out Income PlanInvestec Bank plcyes6 years

7.00%

per annum

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  • Up to 7% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Potential early maturity from year 2 onwards
  • Quarterly payments
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for 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 40% 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 100 Defined Income PlanInvestec Bank plcyes6 years

6.00%

per annum

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  • Up to 6% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Missed payments added to future payment next time quartery Index level above 75%
  • Quarterly payments
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for 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 Contingent Income PlanCredit Suisse AGyesUp to
6 years

6.56%

per annum

More Info >
  • Up to 6.56% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Quarterly payments
  • Plan can mature early each quarter from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 30 November 2016
  • Investment deadline for direct and ISA applications by cheque - 8 December 2016
  • Investment deadline for direct and 2016/17 ISA applications by bank transfer - 14 December 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
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 investment. 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.



Capital Protected Income Plans


In addition to our selection of structured investment plans, we also have a range of income structured deposit plans. These are deposit plans and are therefore capital protected and are eligible for FSCS protection up to the normal deposit limits.:

Income Structured Deposits
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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.