Investment Focus

Investment Focus: Legal & General Inflation Protected Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current rate of inflation is well above the Bank of England’s target of 2% and is a major cause of concern for savers across the UK. We take a look at a recent new entrant to the market wh... Read more

Investment Focus: Meteor Income Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current economic environment is one of the most challenging ever seen and those that are feeling it most are savers and investors seeking an income from their capital. We take a look at one part... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 15 November 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

Latest investment commentary

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

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

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

Structured Investment Plans

"We believe that structured investments can play an important role in your investment portfolio, especially while interest rates are at an all time low. We bring you a selection of hand picked income and growth options, as well as structured deposit plans. Earn a fixed income of up to 7% a year, or see annual growth of up to 12.5% with these investment ideas."

Oliver Roylance-Smith, head of savings & investments

Investing For Income

	Product Name	Income Yield	More Info
	FTSE 100 Bonus Income Plan	7.50% per annum	More Info >
5 year structured investment plan Fixed income of 7.50% pa includes a 0.50% potential annual bonus Monthly income option ISA transfers allowed Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Income Builder	7.50% per annum	More Info >
5 year structured investment plan Potential maximum quarterly income of 1.875% (7.50% per year) ISA transfers allowed Capital at risk Income is not guaranteed Plan designed to be held for full term
	FTSE Income Deposit Plan	7.25% 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
	FTSE Income Plan	5.80% per annum	More Info >
3 year structured investment plan Fixed annual income of 5.80% Income paid quarterly Capital at risk Not available for ISA investment May close early if oversubscribed

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

Investing For Growth

	Product Name	Maximum Potential Return	Term	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	13.50% per annum	Up to 5 years	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 Bonus Growth Plan	12.50% per annum	Up to 6 years	More Info >
6 year structured investment plan Potential early maturity return of 12.5% x the number of years the plan has been active 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
	Early Bonus Plan	11.00% per annum	Up to 6 years	More Info >
6 year structured investment plan Potential for early maturity after years 1,2,3,4 and 5 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 5 Quarterly Defensive Plan	4.25% per quarter	5 Years	More Info >
5 year structured investment plan Available as a stocks and shares ISA 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 Booster Plan	60%	6 years	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 Plan	80%	5 years	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 Plan	60%	5 years	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 Plan	No limit	5 years	More 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
	FTSE Protected Growth Plan	35%	6 years	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
	Inflation Protected Deposit Bond	RPI Tracker	5 years	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 3 Year Deposit Plan	19%	3 years	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
	FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year structured deposit plan Capital protected Potential to return 1 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
	Enhanced Growth Plan	40%	6 years	More Info >
6 year structured deposit plan Capital protected 5 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
	Growth Deposit Bond	50%	6 years	More Info >
6 year structured deposit plan Capital protected Target return of 8.00% 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
	Annual Locked-In Return Plan	36%	6 years	More Info >
6 year structured deposit plan Capital protected 6% 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 100 Kick Out Deposit Plan - Option 1	6.00% per annum	Up to 5 years	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
	FTSE 100 Kick Out Deposit Plan - Option 2	6.25% per annum	Up to 5 years	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
	Moneybuilder	5.75% per annum	6 years	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

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

Growth Structured Deposits

Provider	Plan Name	Maximum Potential Return*	Term	More Info
	Inflation Protected Deposit Bond	RPI Tracker	5 years	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 3 Year Deposit Plan	19%	3 years	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
	FTSE 100 Kick Out Deposit Plan - Option 2	6.25% per annum	Up to 5 years	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 1	6.00% per annum	Up to 5 years	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
	Moneybuilder	5.75% per annum	6 years	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 Deposit Growth Plan	No limit	5 years	More Info >
5 year structured deposit plan Capital protected Potential to return 1 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	50%	6 years	More Info >
6 year structured deposit plan Capital protected Target return of 8.00% 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	40%	6 years	More Info >
6 year structured deposit plan Capital protected 5 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	36%	6 years	More Info >
6 year structured deposit plan Capital protected 6% 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

* Maximum Growth Yields are not guaranteed and subject to certain conditions

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.

Investment Focus

Latest investment commentary

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Structured Investment Plans

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

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