Compare Structured Investment Kick Out Plans

Potential for Early Maturity

Structured investment kick out plans offer investors a pre-determined rate of return based on an underlying asset e.g. FTSE 100 performing in line with set targets on one of a set of given dates. These types of plans normally put your capital at risk. 

 

So as an example, a kick out plan where the underlying asset is the FTSE 100, where after year one of the plan on the set date the index has finished above the target level determined at the beginning of the plan, there would be a pre-determined payout e.g. 8% plus the repayment of the original capital. If the index is lower at the set date the investor would need to wait until the second anniversary before receiving a potential payout. If the kick out does not happen on any of the anniversary set dates the plan will run to it's full term. At full term capital will be returned dependent on the performance of the underlying asset.

 

With kick out plans capital will usually be at risk if the underlying index that is being measured falls by more than a set amount e.g. 50%. Kick out investment plans should appeal to investors who want to achieve a pre-determined return but accept that the potential for early maturity may not happen and capital may be tied up for the full investment term. 

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)
  • 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 100 Step Down Kick-Out PlanInvestec Bank plcyesUp to
6 years

8.25%

per annum

More Info >
  • 8.25% 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 available paying 7.4% with 40% capital at risk barrier but additonal protection from 5 UK financial institutions
  • 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 100 Defensive Kick-Out PlanInvestec Bank plcyesUp to
6 years

7.75%

per annum

More Info >
  • 7.75% for each year (not compounded) provided the FTSE 100 finishes above 90% of its starting value
  • Potential to mature early, from year 3 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 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
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE Defensive Kick Out PlanCredit Suisse AGyesUp to
6 years

7.30%

per annum

More Info >
  • Potential early maturity return of 7.30% x the number of years the plan has been active
  • Maximum 6 year structured investment plan
  • Potential for early maturity from year 2
  • Kick out level required reduces by 20% over term of plan
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 30 November 2016
  • Investment deadline for direct & ISA applications by cheque - 8 December 2016 
  • Investment deadline for direct & ISA applications by bank transfer - 14 December 2016
  • Capital at risk
  • Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Credit Suisse AG to pay at maturity
  • Arrangement fee applies
  • If you decide to sell the plan early, you may get back less than your original investment
  • May close early if oversubscribed
FTSE Step Down Kick Out PlanNatixisyesUp to
6 years

7.15%

per annum

More Info >
  • Potential early maturity return of 7.15% x the number of years the plan has been active
  • Maximum 6 year structured investment plan
  • Potential for early maturity from year 2
  • Kick out level required reduces by 20% over term of plan
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 9 November 2016
  • Investment deadline for direct and ISA applications by cheque - 17 November 2016
  • Investment deadline for direct and ISA applications by bank transfer - 23 November 2016
  • Capital at risk
  • Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Natixis to pay at maturity
  • Arrangement fee applies
  • If you decide to sell the plan early, you may get back less than your original investment
  • 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.
Kick Out Investment Plans - Defensive
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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 - Linked to Shares
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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
Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

3%

per annum

More Info >
  • 3% 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 ISAs, ISA transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • 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.