Popular Investment Plans

Our Top 5 Most Popular Investment Plans

Oliver Roylance-Smith, Director

"If you're not sure where to invest, it can be helpful to see where others are considering putting their money. To help you make a more informed investment decision, see below for our Top 5 Most Popular Investment Plans, based on the number of brochures requested by new investors and our existing customers in the last month. These plans are open for the current tax year (2018/19) £20,000 ISA allowance, ISA transfers and non-ISA investments, although each plan will have application deadlines - check below for details. If you have any queries about any of the plans, please contact our Investment Helpdesk on 0845 308 2525."     


Oliver Roylance-Smith, Head of Investments and Savings  

 

Featured plan:

Super defensive: 6.0% p.a. interest unless the FTSE falls 40% or more...  

“Since its launch just under a year ago, the Defensive Income Plan has become the best selling income plan with our new and existing investors. The plan has two investment options, with the ‘super defensive' option proving most popular.

 

This option pays 1.5% at the end of each quarter, provided the FTSE 100 Index has not fallen by 40% or more below its value at the start of the plan (subject to averaging) – that’s a potential 6.0% per year interest, even if the FTSE falls nearly 40%.  If the Index closes below this level, no income is paid for that quarter.

 

The plan has a maximum term of 8 years, but also offers the opportunity to receive your initial capital back in full before then, if the FTSE has risen by more than 5% at the end of each year, from year 2 onwards. If the plan does not end early, your initial capital is returned in full provided the FTSE has not fallen by more than 40% at the end of the plan term. If it has fallen below this level, your capital will be reduced by 1% for each 1% fall, so you could lose some or all of your initial investment.

 

The ability to earn high interest even if the market falls by some way, could be appealing to a wide range of investors.".

 

Click here for more information »

Our Top 5 most popular Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Defensive Income PlanInvestec Bank Plcyes8 years

7.20%

per annum

More Info >
  • 7.20% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 20%
  • Alternative option paying up to 5.80% income if Index falls by up to 40%
  • Plan can mature early each year from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

10%

per annum

More Info >
  • 10% 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 option also available potentially kicking out from year two onwards at 8.6% pa
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August 2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Monthly Contingent Income PlanNatixisyesUp to 10 years

6.00%

per annum

More Info >
  • Up to 6.00% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by 25%
  • Monthly payments
  • Plan can mature early each quarter from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 14 August 2018
  • Investment deadline for direct and ISA applications by cheque - 22 August 2018
  • Investment deadline for direct and ISA applications by bank transfer - 29 August 2018
  • 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
  • May close early if oversubscribed
FTSE 100 Enhanced Income PlanInvestec Bank plcyes5 years

4.20%

p.a. fixed income

More Info >
  • 4.20% income pa paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfers - 10 August 2018
  • Investment deadline for direct and ISA applications - 31 August  2018
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 100 Defensive Kick-Out PlanInvestec Bank plcyesUp to
6 years

6.75%

per annum

More Info >
  • 6.75% for each year (not compounded) provided the FTSE 100 finishes above 90% of its starting value
  • Potential to mature early, from year 3 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfers - 29 June 2018
  • Investment deadline for direct and ISA applications - 20 July 2018
  • 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.