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Kick Out Investment Plans

The potential for early maturity

Oliver Roylance-Smith, Director

"Kick-out investment plans offer investors the potential for a fixed rate of return which is known at the outset, dependent on the performance of an underlying asset, such as the FTSE 100 Index. Provided the asset performs as required (for example, being the same or higher than its value at the start of the plan), you can achieve a competitive return on your investment plus your original capital back in as little as 12 months. They are therefore designed for those prepared to invest for the medium term but who would also like the opportunity for early maturity. There is a wide choice available, including plans linked to the performance of the FTSE, defensive plans offering a return even if the underlying investment goes down, as well as plans linked to the performance of shares which offer the potential for even higher returns."

Oliver Roylance-Smith , Head of Investments and Savings   

 

Kick Out Investment Plans - FTSE Linked
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

10%

per annum

More Info >
  • 10% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Alternative collateralised option also available potentially kicking out from year two onwards at 8.6% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

7.25%

per annum

More Info >
  • 7.25% 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 also available paying a potential 7.35% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

6.15%

per annum

More Info >
  • 6.15% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 65% over the term
  • Potential to mature early, from year 2 onwards
  • Alternative collateralised option also available paying a potential 6.35% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index falls by more than 40% at maturity, 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.
Kick Out Investment Plans - Defensive
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

7.25%

per annum

More Info >
  • 7.25% 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 also available paying a potential 7.35% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

6.15%

per annum

More Info >
  • 6.15% for each year (not compounded) provided the FTSE 100 finishes above kick out level
  • Kick out level reduces from 100% to to 65% over the term
  • Potential to mature early, from year 2 onwards
  • Alternative collateralised option also available paying a potential 6.35% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index falls by more than 40% at maturity, 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.

Kick Out - Capital Protected Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
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 
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 
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.