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

SIPP

Low cost pension opportunities Oliver Roylance-Smith

"With a SIPP you can build your pension portfolio to suit your needs. Access a wide range of cash and investment fund options as well as interesting investment opportunities such as structured investments which offer defined potential returns. See the tables below for some of the investments available and start taking control of your pension today."

Oliver Roylance-Smith, head of savings & investments
Cash Pension Options
ProviderAccountMinimum DepositTermRate (AER)More Info
£10,0005 Years4.60%More Info
  • Interest Paid Monthly, Quarterly or Annually
  • Interest Paid Gross on deposits of £50,000 or more
  • Available to individuals and pension fund trustees
  • No Partial Withdrawals Permitted
  • Postal Application Only
£10,0003 Years3.75%More Info
  • Interest Paid Monthly, Quarterly or Annually
  • Interest Paid Gross on deposits of £50,000 or more
  • Available to individuals and pension fund trustees
  • No Partial Withdrawals Permitted
  • Postal Application Only
£50,000No fixed Term2.00%More Info
  • Operates as a telephone or postal account, linked to your existing pension fund current
  • Monthly, quarterly or annual interest payment options
  • Available to individuals and pension fund trustees
  • Postal Application Only

Self Invested Pension - Structured Deposit Plans
ProviderPlan NameDeposit TakerSIPP OptionTermMaximum Potential ReturnMore Info
Inflation Protected Deposit BondRoyal Bank of Scotland plcyes5 yearsRPI Tracker More Info >
  • 5 year structured deposit plan
  • Capital protected
  • 100% any growth in RPI (no cap) with a minimum return of 16%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plcyesUp to
5 years		6.25%
per annum		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 1Investec Bank plcyesUp to
5 years		6.00%
per annum		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 1,2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
MoneybuilderBarclays plcyes6 years5.75%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 5.75% potential annual growth
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years19%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 19%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
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.
Self Invested Pension - Structured Investment Growth Plans
ProviderPlan NameCounterpartySIPP OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out Plan Investec VersionInvestec Bank plcyesUp to
5 years		13.50%
per annum		More Info >
  • 5 year structured investment plan
  • Potential for early maturity after years 1,2,3 and 4
  • ISA transfers allowed
  • Also available to businesses, charities & trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE Booster PlanMorgan Stanleyyes6 years60%More Info >
  • 6 year structured investment plan
  • Potential defined return of 60% - even if the FTSE 100 falls by up to 20%
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Geared Returns PlanInvestec Bank plcyes5 years80%More Info >
  • 5 year structured investment plan
  • Potential defined return of 80%
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth PlanAbbey National Treasury Services plcyes5 years60%More Info >
  • 5 year structured investment plan
  • Potential defined return of 60%
  • Available for ISA transfers
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Accelerated Growth PlanInvestec Bank plcyes5 yearsNo limitMore Info >
  • 5 year structured investment plan
  • Returns 2.2 x any potential FTSE 100 growth
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
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.

Popular SIPP Terms