Fixed Rate Bond Alternatives

Capital Protected Growth Plans
Capital Protected Income Plans

Plan Name

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return

45%
at end of term

Term

6 years

ISA Option

More info

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

More information on this product

45% fixed return if the Index is higher than its Initial Level
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 Kick Out Deposit Plan

Maximum Potential Return

6.00%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

6% 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
Maximum 6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 6 Year Defensive Deposit Plan

Maximum Potential Return

25%
at end of term

Term

6 years

ISA Option

More info

More information on this product

25% fixed return if the Index is higher than 75% of its Initial Level
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 3 Year Deposit Plan

Maximum Potential Return

15%
at end of term

Term

3 years

ISA Option

More info

More information on this product

15% fixed return if the Index is higher than its Initial Level
Capital protected
3 year term
Short/medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 Defensive Kick Out Deposit Plan

Maximum Potential Return

4.50%
per annum

Term

Up to 6 years

ISA Option

More info

More information on this product

4.50% for each year if the FTSE 100 finishes higher than its required kick out level
Kick out level reduces from 100% of initial level to 85% over the term
Opportunity to mature early at year 3, 4 or 5
Maximum 6 year term
Capital protected
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE 100 3 Year Defensive Deposit Plan

Maximum Potential Return

10.50%
at end of term

Term

3 years

ISA Option

More info

More information on this product

10.5% fixed return if the Index is higher than 90% of its Initial Level
Capital protected
3 year term
Short/medium term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Returns not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Plan Name

Investec FTSE Income Deposit Plan

Potential Annual Income

3.50%
per annum

Term

6 years

ISA Option

More info

More information on this product

Potential annual income of 3.50%
Income paid if the FTSE 100 finishes above 75% of its starting value
Alternative monthly option also available paying potential 0.28% per month (equivalent to 3.36% pa)
Capital protected
6 year term
Medium/long term alternative to fixed rates
Available for cash ISA, ISA transfer and direct investment
Covered by the FSCS (Financial Services Compensation Scheme)
Application deadline for ISA transfers – 2 November 2018
Application deadline for direct and ISA applications – 21 November 2018

Income not guaranteed. You may only receive a return of your original capital
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

Structured Deposit Plans

While interest rates remain low, returns on fixed rate bonds aren’t as high as they used to be, but there are capital protected alternatives and if you are looking to tie money away for 3 to 5 years plus, structured deposit plans may be worth considering. These plans have a fixed term and have a return linked to the performance of an underlying asset e.g. the FTSE 100.

Structured deposit plans are appropriate for people who have a low appetite for risk but are willing to accept a return on the deposit that involves some exposure to the stock market. While returns are not normally guaranteed, they do offer the potential for competitive rates of return when compare to fixed term bonds.

As structured deposit plans are cash based they 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.

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. 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.