Structured Investment Products
Compare structured investments…
Structured investment products offer a variety of ways to invest in the stock market and make potentially higher returns than investing in cash deposits.
Depending on how much exposure to the stock market you are looking for, you can choose from a range of investment solutions. See the table below for some of the latest structured investment products:
| Barclays 6-Year Defined Returns Plan |  | £3,600 | |
| 6 year Capital Protected Structured Investment Plan offering a maximum return of 44%. |
| Investec FTSE 100 3 Year Deposit Plan | | £1,500 | |
| This capital protected deposit plan offers a maximum return of 18% at maturity. |
| Investec FTSE 100 Geared Returns Plan | | £1,500 | |
| This 5 year structured investment plan offers a maximum return of 62.5% at maturity. |
| Barclays Defined Returns (Annual Kick-Out 90) Plan | | £3,600 | |
| The 6 year structured investment plan offers an opportunity for attractive pre-defined returns at 7.75% a year. Potential to kick-out after 3 years. |
| Investec Enhanced Kick-Out Plan | | £1,500 | |
| 5 year structured investment plan offering a fixed return of 9.25% a year with the potential to kick-out after year one. |
| Barclays Defined Returns (Annual Kick-Out 100) Plan | | £3,600 | |
| The 6 year structured investment plan offers an opportunity for attractive pre-defined returns at 7.75% a year. Potential to kick-out after 2 years. |
| Skipton Building Society Guaranteed Double Asset Bond |  | £3,000 | |
| 1/3 invested in a 6% 1 Year Fixed Rate Bond. 2/3 invested into a FTSE 100 Index Linked Bond which returns 100% of any positive growth up to a maximum return of 50%. |
| Barclays Wealth UK Super Tracker | | £3,600 | |
| This 5 year structured investment plan returns 4x any growth in the FTSE 100 index up to a maximum of 64%. |
| Barclays 3 Year UK Super Tracker | | £3,600 | |
| This 3 year structured investment plan returns 2x any growth in the FTSE 100 index up to a maximum of 30%. |
| Investec FTSE 100 Kick-Out Deposit Plan | | £1,500 | |
| Structured deposit plan with two options offering returns of up to 6.75% per year. Potential to kick out after 2 or 3 years depending on the option. |
| Investec FTSE 100 5 Year Deposit Plan | | £1,500 | |
| This 5 year capital protected deposit plan offers a maximum return of 40% at maturity. |
| Morgan Stanley FTSE Kick Out Growth Plan | | £3,000 | |
| 6 year structured investment plan offers the opportunity to kick out after 3 years with a potential return of 50%. |
| Morgan Stanley FTSE Protected Growth Plan | | £3,000 | |
| This 6 year structured investment plan offers a return of up to 20% with the potential to kick out after 3 years. |
| Morgan Stanley FTSE Tracker Plus Plan | | £3,000 | |
| This 6 year structured investment plan offers a return of 1.2 times any positive growth in the FTSE 100, with 80% capital protection. |
| Morgan Stanley FTSE Best Entry Growth Plan | | £3,000 | |
| 6 year structured investment plan offering 2.85 times any positive growth in the FTSE 100. |
| Virgin Money Climate Change ISA | | From £50 Per Month | |
| ISA Option Only. The Virgin Climate Change ISA invests in Companies (mainly in the UK & Europe) who aim to drive profit growth & have a lighter environmental footprint. |
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
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The structured investment products you choose with depend on your risk/returns balance – from capital protected, which have no exposure, to capital-at-risk products, which offer potentially better returns for putting some of your capital at risk, there is a wide range to choose from.
With structured investment products you can:
- Expose your capital to higher risk for potentially enhanced returns
- Protect some or all of your capital (with capital protected products)
- Invest using your ISA allowance or SIPP
- Get potentially higher returns with fixed terms of several years
- Choose from income or growth
Structured investment products might not be right for you if you:
- Are looking for guaranteed returns on your investment
- Don't want an investment linked to the stock market
- Might need immediate access to your money
- Want to make regular payments into your investment
If you think that structured investment products might fit into your investment portfolio, compare some of the latest offers in our table and apply today.
The safety of your original capital depends on the ability of the counterparty (the institution providing the underlying assets, rather than the product provider) to repay your investment at the end of the term. You can assess the strength of a counterparty, and therefore the relative risk to your investment, by comparing their credit rating score, from AAA to D, using a credit rating agency such as Standard & Poor's (www.standardandpoors.com) or Fitch (www.fitchratings.com).
Please remember the value of your investments and the income from them can go down as well as up. You may not get back the full amount you have invested. If you're in any doubt you should consult an appropriate Financial Adviser.
Fair Investment Company is authorised and regulated by the Financial Services Authority (FSA).