Investec FTSE 100 6 Year Defensive Deposit Plan

Investec FTSE 100 6 Year Defensive Deposit Plan


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Potential high growth returns and capital protection, even in a falling market

Our top 5 year fixed rate bond is currently paying 2.26%, and with further downward pressure expected on savings rates, the potential for a fixed return of 25% could be an attractive alternative for savers
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Investec Structured Products

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 re-launched Defensive Deposit Plan from Investec offers a fixed return of 25% provided the FTSE 100 Index at the end of the six year term is higher than 75% of its value at the start of the plan (subject to averaging). So the FTSE can fall up to 25% and you still receive the fixed return.  However, if the Index is lower, you will only receive a return of your original capital.

The best long term fixed rate savings bonds are paying under 2.50% AER whilst by linking your deposit to the FTSE, if this Deposit pays out the 25% return is equivalent to 3.79% compound 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 2.30% AER mark, this could be an appealing alternative.

Both are treated the same for FSCS purposes (up to the usual deposit scheme limits) but unlike the fixed rate bond, the return on the Investec plan is dependent on the FTSE and so is not guaranteed.

Plan Details

Target return – 25% if the Index is above 75% 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: 6 Years

Arrangement fee applies

Minimum single investment: £3,000

Maximum ISA investment: £20,000

Maximum for ISA transfers and non-ISA investments: £1,000,000

Deadlines

Direct & ISA applications: 16 January 2019
ISA Transfer applications: 21 December 2018

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 18

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