Investec FTSE 100 6 Year Defensive Deposit Plan

Investec FTSE 100 6 Year Defensive Deposit Plan

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Fixed growth returns and capital protection, no matter how well the FTSE performs…

Our top 5 year fixed rate bond is currently paying 0.95%, and with further downward pressure expected on savings rates, a potential for a fixed return of 12% coupled with the knowledge of a minimum 4.5% return, could be an attractive alternative for savers
Investec FTSE 100 6 Year Defensive Deposit Plan Fair Investment

Oliver Roylance-Smith

Head of Savings and Investments

Investec FTSE 100 6 Year Defensive Deposit Plan Fair Investment

With low longer term fixed rates forcing some savers to consider a wider range of options, the combination of capital protection plus the potential for a high growth return could be a compelling opportunity.

The 6 Year Defensive Deposit Plan from Investec offers a fixed return of 12% provided the FTSE 100 Index at the end of the six year term is higher than value the start of the plan (subject to averaging). If the FTSE 100 is the same or lower you still get a fixed return of 4.5%.  Therefore at the end of the term you receive a fixed return and your original capital back no matter how well the FTSE performs. 

The best long term fixed rate savings bonds are paying around 0.95% AER whilst by linking your deposit to the FTSE, if this Deposit pays out the 12% return is equivalent to 2% growth. Tax payers can also benefit from a tax free return as the plan is also available as an cash ISA, and with longer term Cash ISA fixed rates even lower, around the 1% AER mark, this could be an appealing alternative.

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

Fixed return – Either 12% if the Index is above the Initial Level, or 4.5% if it is the same or lower than the 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: 6 Years

Arrangement fee applies

Minimum single investment: £3,000

Maximum ISA investment: £20,000

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


ISA Transfer Applications: 19 March 2021
Direct & ISA Applications: 1 April 2021

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.

Investec FTSE 100 6 Year Defensive Deposit Plan 35

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