Latest Investment Commentary

Investment income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

Investment Focus: Gilliat Income Builder Plus

Oliver Roylance-Smith / 15 May 2012

Of all the investment themes, income is consistently at the forefront of the investor’s mind, whether you are working and need to supplement your earnings, or retired and looking to add to you... Read more

5 x FTSE growth - potential returns of up to 100%

Oliver Roylance-Smith / 10 May 2012

"If you think the FTSE will rise over the medium term then this plan could be just for you. The Best Entry plan from Morgan Stanley offers a return of 5 x any rise in the FTSE 100 Index with a ... Read more

Inflation and interest rates - What it means for you

In the last fortnight we have had a further vote on the base rate by the Bank of England’s Monetary Policy Committee as well as the revised inflation figures released by the Office for National Statistics. We take a closer look at what has happened and evaluate what this might mean for savers and investors.

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Structured Deposit Plans

Structured Deposit Plans allow you to access stock market linked returns while protecting your capital. Structured Deposit Plans are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person per institution in the same way that savings accounts are, but any returns will usually be dependent on the performance of an underlying asset e.g. the FTSE 100 Index. Plans will aim to provide an income, or offer the potential for growth over a fixed term usually between 3 and 6 years.

Income Structured Deposits

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Income Deposit Plan	Royal Bank of Scotland plc		6 Years	7.00% per annum	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed

Income Deposit Plan

Royal Bank of Scotland plc

6 Years

7.00%
per annum

More Info >

6 year structured deposit plan
Capital protected
Available for Cash ISA & Cash ISA transfers
Also available to businesses, charities and trusts

Income is not guaranteed
Plan designed to be held for full term
May close early if oversubscribed

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.

Growth Structured Deposits

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% 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
	Deposit Kick Out	Royal Bank of Scotland plc	Up to 6 years	9.50% per annum	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Plan	Royal Bank of Scotland plc	6 Years	7.60% per annum	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Growth is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% 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 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth 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
	Growth Deposit Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) 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
	Enhanced Growth Plan	Santander UK plc	6 years	40%	More Info >
6 year structured deposit plan Capital protected 4 x any rise in the FTSE 100 capped at 40% Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Annual Locked-In Return Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.5% potential annual return Available for Cash ISAs & Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	FTSE Protected Growth Plan		6 years	35%	More Info >
6 year structured investment plan Capital protected Potential for early maturity growth return of 35% Available 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 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.