New Investment Plan – Looking For Ethical Returns With Full Capital Protection?

Written by Editorial Team
Last updated: 19th November 2020

A potential 15.9% return, 100% capital protected…

“The FTSE4Good UK 50 Index tracks the share performance of the UK’s 50 largest companies which demonstrate strong Environmental, Social and Governance (ESG) practises. Many of these companies also feature in the FTSE 100 Index, but the FTSE4Good UK 50 Index differs in that it tracks 50 companies as opposed to 100, and only tracks companies that have a high ESG rating*.

The Investec FTSE4Good 6 Year Deposit Plan is plan offers a fixed return of 15.9%, provided the FTSE4Good UK 50 Index is higher at the end of the six year term, than its value at the start of the plan. As with any other UK bank deposit, your capital is fully protected, and is also eligible for the UK’s Financial Services Compensation Scheme.

With the best long term savings rates offering little more than around 1.4% AER, for those looking for the opportunity for higher returns, have an ethical approach to how they use their cash, and yet who do not want to put their capital at risk, this plan could be appealing.”

Oliver Roylance-Smith, head of savings and investment

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Capital protection is subject to deposit taker (Investec Bank plc) risk of default.

Eligible deposits in the Investec FTSE4Good 6 Year Deposit Plan are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK’s deposit protection scheme.

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. The past performance of the FTSE4Good UK 50 Index is not a guide to its future performance.

Tax treatment of ISAs depends on your individual circumstances and legislation which are subject to change in the future. ISA transfer charges may apply, please check with your provider.

Fair Investment Company does not offer advice and any investment transacted through us is on a non-advised basis. If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.