IDAD The Callable Deposit Plan

IDAD The Callable Deposit Plan

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Either 6.5% pa or 2 x FTSE growth at end of term, plus full capital protection

This plan from IDAD combines capital protection with the potential for very high returns – either 1.625% per quarter to 2 x any growth in the FTSE 100 Index at maturity
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

If capital protection is a top priority, yet you still want to achieve high growth returns this plan from IDAD could be an interesting option.

The Callable Deposit Plan is different from most other plans as the Deposit Taker (Goldman Sachs) can choose to ‘call’ or end the plan early on any quarterly anniversary date from year two onwards. If they do decide to end the plan then it will pay a return of 1.625% x the number of quarters the plan has been running plus the return of capital. 

If the deposit taker decides to let the plan run for the full 8 year term then at maturity it will pay an attractive 2 x any FTSE growth over the period, plus a return of capital.  As with other deposits your capital is also eligible for FSCS protection but if the Index is lower at this point, you will only get your initial capital back.

Although this plan has an uncertain end date, by offering some of the highest deposit returns available on the market no matter how the FTSE performs, or a very competitive potential return if it runs the full term,  it could provide a very attractive alternative when comparing with other deposit based options.

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

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.

Plan Details

1.625% per quarter (6.5% pa) – if the Deposit Taker ends the plan early

2 x FTSE 100 Index  growth – if the plan runs for the full term

Deposit Taker: Goldman Sachs International Bank

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 7 Years

Arrangement fee applies

Minimum single investment: £10,000

Maximum ISA investment: £20,000

No Maximum for ISA transfers and non-ISA investments


ISA Transfer Applications: 17 March 2020
Direct & ISA Applications by cheque: 24 March 2020
Direct & ISA Applications by bank transfer: 31 March 2020

IDAD The Callable Deposit Plan Issue 9 April 2020

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