Investec FTSE 100 Defensive Kick Out Deposit Plan

Investec FTSE 100 Defensive Kick Out Deposit Plan


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The opportunity for early maturity with capital protection, even if the market falls

Depending on your views of what might happen to the FTSE in the coming years, this plan offers full capital protection plus the opportunity for 4.5% pa, even if the market stays the same or goes down slightly
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Investec Structured Products

Whilst inflation remains well above the maximum interest you can earn from traditional fixed rate bonds, there is a clear cost to making sure your savings are fully capital protected. By offering a potential 4.5% for each year, this new deposit plan from Investec offers the opportunity for higher returns, as well as protecting your capital.

The FTSE 100 Kick-Out Deposit Plan offers capital protection plus a potential 4.5% per year (not compounded). The plan will mature early or ‘kick-out’, provided the level of the FTSE 100 Index is above the required level at the end of each year. The required level is 100% of its starting value at the end of year 3, then reducing by 5% each year thereafter, down to 85% in the final year. So the plan could offer 4.5% returns, even if the FTSE falls almost 15%. If the Index is lower than the required level on all of these dates, you will only receive a return of your initial deposit.

With market leading 3 to 5 year fixed rates currently offering around 2.30% to 2.50%, by linking your return to the FTSE this plan offers the opportunity to beat low savings rates, whilst still including the capital protection that many savers demand.

Plan Details

Potential return – 4.5% gross for every year the Plan is in force (not compounded)

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: £3,000

Maximum ISA investment: £20,000

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

Deadlines

ISA Transfer applications: 29 March 2019
ISA applications for 2018/19: 5 April 2019
Direct & ISA applications 2019/20 : 18 April 2019

Investec FTSE 100 Defensive Kick Out Deposit Plan 10

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