Investec FTSE 100 Step Down Kick Out Plan 22

Defensive best seller: potential for up to 43.5% growth...
Investec Structured Products

The Step Down Kick-Out Plan from Investec will ‘kick out’ and return your original investment along with 7.25% for each year invested (not compounded), provided the level of the FTSE 100 Index is above the required level at the end of each year.

The required level is 100% of its starting value at the end of year 2, and then reducing by 5% each year thereafter, down to 80% in the final year. So if the plan kicks out in the final year, you would receive 43.5% growth along with a full return of your initial investment.

If the FTSE is below the required level each year no growth return will be achieved, and at the end of the plan your original capital will be returned unless the FTSE 100 Index has fallen by more than 40% from it's initial level. If it has, your initial capital will be reduced by 1% for each 1% fall, so you could lose some or all of your initial investment.

This plan is our best selling defensive investment, and so maybe it’s the balance between a good level of growth and still receiving a return even if the market goes down slightly, that makes it so popular.

  • Potential Return: 7.25 % per annum in years 2, 3, 4, 5 or 6
  • Alternative collateralised option also available featuring additional protection, returning a potential 7.35% pa**
  • Capital at Risk Product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum ISA investment - £20,000
  • ISA transfers accepted
  • Maximum investment - £1,000,000
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Investment deadline ISA transfers: 10 August 2018 
  • Investment deadline for direct and ISA applications: 31 August 2018 

*The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.

**An alternative maximum 8 year collateralised option is also available paying a slightly lower potential return of 7.35% which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on either the solvency of four UK financial institutions: Aviva plc, Barclays Bank plc, HSBC Bank plc and Lloyds Bank plc. Please see the factsheet and brochure for details

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

"Oliver Roylance-Smith, DirectorIf the plan kicks out in the final year, you would receive 43.5% growth even if the FTSE had fallen almost 20%, which perhaps helps to explain why the plan has proved so popular with our investors.”

Oliver Roylance-Smith
Head of Savings and Investments
Request a brochure by email and post:
Investec FTSE 100 Step Down Kick Out Plan 22
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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.

Fair Investment Company Limited is Authorised and Regulated by the Financial Conduct Authority.