Compare Structured Investment Plans

Oliver Roylance-Smith, Director

Structured Investments are designed to offer investment growth or income with performance linked to an underlying asset e.g. the UK stockmarket. They can be held within a variety of wrappers such as a stocks and shares ISA. Structured investments provide investors with the opportunity to invest in stockmarkets and other asset classes with pre-defined risk and returns potential. Our service provides you with a selection of structured investment plans from leading UK providers.

Investing for Income - Structured Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Contingent Income PlanNatixisyesUp to 10 years

8.20%

per annum

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  • Up to 8.20% 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 2016/17 ISA, 2017/18 ISA, ISA transfer and direct investment
  • Investment deadline for 2016/17 ISA applications by cheque or bank transfer - 5 April 2017
  • Investment deadline for ISA transfers - 10 April 2017
  • Investment deadline for direct and 2017/18 ISA applications by cheque - 20 April 2017
  • Investment deadline for direct and 2017/18 ISA applications by bank transfer - 26 April 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 Defensive Income Kick Out PlanSociete GeneraleyesMaximum 10 years

7.20%

per annum

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  • Up to 7.2% per year based on the performance of the FTSE 100
  • Income paid even if FTSE 100 falls by up to 25%
  • Quarterly payments
  • Also Plan has the potential to kick out early every quarter from the end of year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 17 March 2017
  • Investment deadline for direct and ISA applications by cheque - 29 March 2017
  • Investment deadline for direct and ISA applications by bank transfer - 5 April 2017
  • Capital is at risk if the FTSE 100 Index falls by more than 40% 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 £10,000
  • 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 investment. 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.
Investing for Growth - Structured Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

10.25%

per annum

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  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Alternative collateralised options also available returning a potential 8.25% / 7% from year 2
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 5 May 2017
  • Investment deadline for direct and ISA applications - 26 May 2017 
  • 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 Enhanced Tracker PlanCredit Suisse AGyesUp to 6 years

45%

after 3 years, or 2 x FTSE growth after 6 years

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  • 45% after 3 years provided the FTSE 100 has risen 10%, or 2 x FTSE growth after 6 years
  • Available for direct investments, 2016/17 ISA, 2017/18 ISA, and ISA transfer 
  • Investment deadline for ISA transfer applications - 5 April 2017
  • Investment deadline for 2016/17 ISA applications by chqeue and bank transfer - 5 April 2017 
  • Investment deadline for direct and 2017/18 ISA applications by cheque - 11 April 2017 
  • Investment deadline for direct and 2017/18 ISA applications by bank transfer - 19 April 2017 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Defensive Growth PlanInvestec Bank plcyes5 years

22%

after 5 years

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  • 22% after 5 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 5 May 2017
  • Investment deadline for direct and ISA applications - 26 May 2017 
  • 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
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.