Goldman Sachs FTSE 100 Deposit Kick Out Plan

Goldman Sachs FTSE 100 Deposit Kick Out Plan

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Potential 6.35% per year plus full capital protection, with the potential to mature early from year 4 onwards…

With market leading 4 to 5 year fixed rates currently offering around 4%, by linking your return to the FTSE this plan offers the opportunity to beat low savings rates, whilst still including the capital protection that many savers demand
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Whilst inflation generally remains above the interest you can earn from traditional fixed rate bonds, there is a clear cost to making sure your savings are fully capital protected. By offering a potential 6.35% for each year, this deposit plan from Goldman Sachs offers the opportunity for higher returns, as well as protecting your capital. 

The FTSE 100 Deposit Kick Out Plan offers capital protection plus a potential 6.35% per year (not compounded). The plan will mature early or ‘kick out’, provided the value of the FTSE 100 Index at the end of each year from year 4 onwards, is higher than its value at the start of the plan. That’s a potential 25.4% after 4 years, or another 6.35% for each additional year thereafter. If the Index is lower on all of these dates, you will only receive a return of your initial deposit. 

The plan also has an alternative option paying 5.8% if on a kick out date the FTSE 100 Index does not drop by more than 5%.

With the best longterm fixed rates only paying around 4% AER, and cash ISA’s even lower, this plan offers the opportunity to achieve a significantly better return than cash. 

Plan Details

Potential Return: 6.35% for each  year invested (not compounded), if the FTSE rises by any amount

Potential to mature early (kick out) each year from year 4 onwards

Alternative option also available returning a potential 5.8% pa if  the FTSE is above 95% of initial level, on a kick out date

Capital Protected Product

Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

Available for Cash ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 6 Years

Arrangement fee applies

Minimum single investment: £5,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments


ISA Transfer Applications: 24 July 2024
Direct & ISA Applications: 9 August 2024

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.

Goldman Sachs FTSE 100 Deposit Kick Out Plan August 2024

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