MB UK 2Y 90 Growth Deposit Plan

MB UK 2Y 90 Growth Deposit Plan

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Short term high growth deposit plan: Potential 11.5% fixed after 2 years, even if the FTSE falls by 10%…

If you don’t want to put your capital at risk, but do want the opportunity for higher returns from your cash than are currently on offer, this plan could offer exactly that
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

The UK 2Y 90 Growth Deposit Plan from MB is capital protected, and offers a fixed return of 11.5% provided the FTSE 100 Index at the end of the two  year term, is at or above 90% its value at the start of the plan. By linking your return to the FTSE, this plan offer the opportunity for higher returns, even in a slightly falling market, but without risking your capital.

As with other cash deposits, your capital is fully protected and eligible for FSCS protection up to £85,000 per person. The plan is available as a non-ISA deposit, as well as an ISA, where deposit rates are usually lower than their non-ISA counterparts, and will accept ISA transfers.

The 11.5% return is equivalent to 5.75% per year (not compounded), which is significantly higher than any other current fixed deposit or cash ISA product. The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.


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

Target return: 11.5% at the end of the term if the FTSE 100 Index is higher than 90% of its starting 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: 2 Years

Arrangement fee applies

Minimum single investment: £5,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments


ISA Transfer Applications: 27 June 2024
Direct & ISA Applications: 16 July 2024

MB UK 2Y 90 Growth Deposit Plan July 2024

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