Investment Focus

Investment Focus: Legal & General Inflation Protected Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current rate of inflation is well above the Bank of England’s target of 2% and is a major cause of concern for savers across the UK. We take a look at a recent new entrant to the market wh... Read more

Investment Focus: Meteor Income Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current economic environment is one of the most challenging ever seen and those that are feeling it most are savers and investors seeking an income from their capital. We take a look at one part... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 15 November 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Latest investment news

Top 10 reasons to consider Kick Out plans

Oliver Roylance-Smith / 07 February 2012

With the interest in Kick Out plans continuing to rise and the current market offering some of the highest rates ever from this type of investment, we give you 10 reasons which help to explain why K... Read more

Kick Out plans laid bare

Oliver Roylance-Smith / 07 February 2012

Kick Out plans were the real story of 2011, with a huge surge of interest that continues to keep pace. With such a wide variety of products available in the market, we take an in-depth look under th... Read more

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

Legal & General Structured Investment Products

Structured investment products from Legal & General...

Legal & General offers a range of structured investment products as part of its wider investment range covering everything from pensions to ISAs.

If you think a structured investment product might be right for you, see below to compare some of the leading structured investment products on the market at the moment:
 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Plan Investec Versionyes13.50%
per annum		Up to
5 years		More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Bonus Growth Planyes12.50%
per annum		Up to 6 yearsMore Info >
6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer
Early Bonus Planyes11.00%
per annum		Up to 6 yearsMore Info >
A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 5 Quarterly Defensive Planyes4.25%
per quarter		5 YearsMore Info >
A 5 year structured investment plan with the potential to return 4.25% x the number of quarters the Plan has been active.
FTSE Booster Planyes60%6 yearsMore Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Geared Returns Planyes80%5 yearsMore Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.
Growth Planyes60%5 yearsMore Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Accelerated Growth PlanyesNo limit5 yearsMore Info >
5 year structured investment plan with the potential to return 2.2 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Protected Growth Planyes35%6 yearsMore Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.
Inflation Protected Deposit BondyesRPI Tracker 5 yearsMore Info >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.
FTSE 100 3 Year Deposit Plan yes19%3 yearsMore Info >
3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Deposit Growth PlanyesNo limit5 yearsMore Info >
5 year capital protected structured deposit plan which aims to return 1.0 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.
Enhanced Growth Planyes40%6 yearsMore Info >
6 year capital protected structured deposit plan which aims to return 5 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.
Growth Deposit Bondyes50%6 yearsMore Info >
6 year capital protected structured deposit plan which returns the greater of 8.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.
Annual Locked-In Return Planyes36%6 yearsMore Info >
6 year capital protected structured deposit plan which aims to return 6% annual growth capped at 36%. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Kick Out Deposit Plan - Option 1yes6.00%
per annum		Up to
5 years		More Info >
Capital protected structured deposit plan with the potential to mature after years 1, 2, 3, and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
FTSE 100 Kick Out Deposit Plan - Option 2yes6.25%
per annum		Up to
5 years		More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
Moneybuilderyes5.75%
per annum		6 yearsMore Info >
A 6 Year capital protected structured deposit growth plan with the potential to pay 5.75% pa, up to a maximum of 34.5% over 6 years at maturity. Also available for Cash ISA and ISA Transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

If you want an investment product that incorporates elements of capital protection with the potential for stock market linked returns, then structured investment products could be right for you.

Structured investment products may also be right for you if:

  • You can afford to keep your capital locked away for between one and five years
  • You want to make the most of your ISA and SIPP allowances
  • You want a fixed term investment

However, structured investment products may not be right for you if:

  • You think you may need instant access to your capital
  • You do not want the risk of stock market linked products
  • You want a guaranteed rate of return

See the product table above to help you make your mind up about structured investment products and whether they are right for you.

The safety of your original capital depends on the ability of the counterparty (the institution providing the underlying assets, rather than the product provider) to repay your investment at the end of the term. You can assess the strength of a counterparty, and therefore the relative risk to your investment, by comparing their credit rating score, from AAA to D, using a credit rating agency such as Standard & Poor's (www.standardandpoors.com) or Fitch (www.fitchratings.com).

 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.

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