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 1.65% pa, even if the market stays the same or goes down slightly
Investec FTSE 100 Defensive Kick Out Deposit Plan Fair Investment

Oliver Roylance-Smith

Head of Savings and Investments

Investec FTSE 100 Defensive Kick Out Deposit Plan Fair Investment

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 1.65% for each year, this deposit plan from Investec offers the opportunity for higher returns, as well as protecting your capital.

The FTSE 100 Defensive Kick-Out Deposit Plan offers capital protection plus a potential 1.65% 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 1.65% annual 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 0.90% to 0.95%, 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: 1.65% 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


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

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.

Investec FTSE 100 Defensive Kick Out Deposit Plan 24

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