Investec FTSE 100 3 Year Defensive Deposit Plan

Investec FTSE 100 3 Year Defensive Deposit Plan

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Capital protected savings alternative, also available as a cash ISA…

The best medium term fixed rate savings bonds are paying around 0.95% AER and with similar term Cash ISA fixed rates even lower, this could be an appealing alternative
Investec FTSE 100 3 Year Defensive Deposit Plan Fair Investment

Oliver Roylance-Smith

Head of Savings and Investments

Investec FTSE 100 3 Year Defensive Deposit Plan Fair Investment

For those looking for capital protected alternatives for their savings and Cash ISAs, the potential 3.75% interest payment on offer from Investec’s FTSE 100 3 Year Defensive Deposit Plan could be a compelling option.

The plan compares the value of the FTSE 100 Index at the beginning and the end of the term, and provided it has not fallen by 10% or more, pays a fixed return of 3.75% (tax free if held in an ISA). This is equivalent to 1.25% growth each year, which is more than medium term savings rates at present.

As with other deposits your capital is also eligible for FSCS protection. However, unlike fixed rate savings accounts your return is not guaranteed and so you could only receive your initial capital back.

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

Target return – 3.75% if the Index is above 90% of its Initial Level

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: 3 Years

Arrangement fee applies

Minimum single investment: £3,000

Maximum ISA investment: £20,000

Maximum investment for ISA transfers and non-ISA investments: £3,000,000


ISA Transfer Applications: 29 January 2021
Direct & ISA Applications: 12 February 2021

Investec FTSE 100 3 Year Defensive Deposit Plan 26

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