IDAD The Callable Deposit Plan

IDAD The Callable Deposit Plan

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Either 10% pa or 2 x FTSE growth at end of term, plus full capital protection…

This popular plan from IDAD combines capital protection with the potential for high returns – either 10% per annum, or 2 x of any growth in the FTSE 100 Index at maturity
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Fixed Rate Bond Alternative: Capital Protected Plan - 2x Any Rise In the FTSE 100 With No Upper LimitIf 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’ (end) the plan early on any quarterly observation date from 18 months onwards. If they do decide to end the plan then it will pay a return of 2.5% x the number of quarters the plan has been running (equivalent to 10% pa) plus the return of capital. 

If the deposit taker decides to let the plan run for the full 6 year term then at maturity it will pay 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 an attractive alternative when comparing with other deposit based options.

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

2.5% per quarter (equivalent to 10% 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 6 Years

Arrangement fee applies

Minimum single investment: £10,000

Maximum ISA investment: £20,000

No Maximum for ISA transfers and non-ISA investments


The deadline for this plan has now passed. Please fill in the form below to receive details of the next issue of the plan as soon as it becomes available

IDAD The Callable Deposit Plan Issue 17 October 2023

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