Popular Investment Plans

Our Top 5 Most Popular Investment Plans

Oliver Roylance-Smith, Director

"If you're not sure where to invest, it can be helpful to see where others are considering putting their money. To help you make a more informed investment decision, see below for our Top 5 Most Popular Investment Plans, based on the number of brochures requested by new investors and our existing customers in the last month. These plans are open for the current tax year (2016/17) £15,240 ISA allowance, ISA transfers and non-ISA investments, although each plan will have application deadlines - check below for details. If you have any queries about any of the plans, please contact our Investment Helpdesk on 0845 308 2525."     


Oliver Roylance-Smith, Head of Investments and Savings  

 

Featured plan:

Investec Enhanced Income Plan - 5.04% p.a. tax free fixed income

“If you are looking for a high level of income and want to know exactly how much interest you will receive, when, and for how long, our best selling fixed income plan offers exactly that. The FTSE 100 Enhanced Income Plan from Investec pays a fixed income of 0.42% each month (equivalent to 5.04% each year) and has a fixed term of six years. At the end of the plan, your original capital is returned in full unless the FTSE 100 Index has fallen by more than 50% during the term of the plan. If the Index has fallen by more than half, and also finishes the plan term below its starting level, then your initial capital will be reduced by 1% for each 1% fall. The fixed income is also available tax free if you use your ISA allowance or transfer existing ISAs.”

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Our Top 5 most popular Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years

5.04%

p.a. 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
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)
  • Alternative collateralised options also available returning a potential 9.2% / 8.1% 
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline 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 PlanNatixisyesUp to 10 years

8.25%

per annum

More Info >
  • Up to 8.25% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Quarterly payments
  • Plan can mature early each quarter from year 2 onwards
  • Alternative option available returning a potential 6% per year if FTSE falls by 40%
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 13 January 2017
  • Investment deadline for direct and ISA applications by cheque - 23 January 2017
  • Investment deadline for direct and ISA applications by bank transfer - 27 January 2017
  • 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 Defined Income PlanInvestec Bank plcyes6 years

6.00%

per annum

More Info >
  • 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 100 Defensive Growth PlanInvestec Bank plcyes6 years

34.0%

after 6 years

More Info >
  • 34% after 6 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for ISA, and ISA transfer
  • Investment deadline ISA transfer applications - 2 December 2016
  • Investment deadline for ISA applications - 16 December 2016
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • Only available for new ISA investments or ISA transfers, not direct investments
  • 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.

 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.