Investec FTSE 100 Income Deposit Plan –

Investec FTSE 100 Income Deposit Plan –

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Capital protected deposit with the potential to pay 2.52% income pa…

As with other savings plans, your deposit is eligible for FSCS protection, so if you are prepared to link your income to the FTSE in the hunt for higher potential returns, this plan could offer an answer to tackling low savings rates
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Investec Structured Products

Most savers have two main priorities in mind when looking at their options – is my capital protected, and what rate of return is on offer? The FTSE Income Deposit Plan from Investec is fully capital protected and with the potential for 2.52% annual income (paid monthly), could prove to be a strong headline return.

Your 0.21% income payment is dependent on the value of FTSE 100 Index at the end of each month finishing higher than 75% of its value at the start of plan (subject to averaging). If the Index finishes at or below 75% no income will be paid for that month.

Therefore, unlike traditional fixed rate bonds the 2.52% income is not guaranteed. But with top 5 year fixed rate bonds only paying around 2.05% and fixed rate Cash ISAs offering considerably less, the potential to beat low savings rates could be a compelling one.

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

Potential monthly income: 0.21% (equivalent to 2.52% pa)

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: 22 November 2019
Direct & ISA applications: 13 December 2019

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 Income Deposit Plan 31 -

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