MB UK 5Y Annual Step Down to 85 Kick Out Plan Y2 65

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High Growth Defensive Plan: Potential 7.35% per year, even if the FTSE falls by 15% over five years…

The balance between a good level of growth and still receiving a return even if the market goes down slightly could make this plan very popular

Oliver Roylance-Smith

Head of Savings and Investments

Defensive investments normally offer the potential for growth, even if the market goes down slightly, and this investment from MB Structured Investments could be very attractive.

This plan will ‘kick out’ and return your initial capital plus 7.35% for each year invested (not compounded), provided the level of the FTSE 100 Index is above the required level at the end of each year. The required level is 105% of its starting value at the end of year 2, 100% at the end of year 3, 95% at the end of year 4 and then 85% in the final year. So the plan could offer 7.35% annual returns, even if the FTSE falls by 15% at the end of the term.

If the FTSE is below the required level each year, no growth is achieved and your original capital will be returned, unless the FTSE 100 Index has fallen by more than 35% at the end of your investment. If it has, your initial capital will be reduced by 1% for each 1% fall, so you could lose some or all of your initial investment.

Depending on your views of what might happen to the FTSE in the coming years, this plan offers the opportunity for a good level of growth return, even if the market goes down slightly.

Important Information: This is a structured investment plan which is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Plan Details

Potential Return: 7.35% for each year invested (not compounded), if the FTSE is above required kick out level

Required kick out level reduces from 105% to 85% over the term

Potential to mature early (kick out) each year from year 2 onwards

Capital At Risk Product – 65% barrier

Available for Stocks & Shares ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 5 Years

Arrangement fee applies

Minimum single investment: £5,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments

Deadlines

ISA Transfer Applications: 15 July 2024
Direct & ISA Applications: 29 July 2024

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.

MB UK 5Y Annual Step Down to 85 Kick Out Plan Y2 65 July 2024

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Regular contributions	E.g. £100 a month investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £3 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund). The trail commission is included within the standard charging structure of the investment.
Structured products	Not applicable as regular contributions are not permitted
Venture Capital Trusts (VCTs)	Not applicable as regular contributions are not permitted
Savings Accounts	Accounts pay either initial commission (up to 1.2%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £1.20 initial commission, or £4.80 trail commission in year two and so on (actual amount will vary in line with the value of your savings account).

Lump sum investment	E.g. £30,000 investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £90 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund) The trail commission is included within the standard charging structure of the investment.
Structured products	Initial commission of up to 3%, so Fair Investment Company will receive £900. This commission will be paid directly to us by the product provider and is taken into account within the standard charging structure of the product. Where no commission is paid by the product provider our introductory fee will be taken as an initial charge from your investment. This introductory fee will be no more than 3% of the amount invested. No annual trail commission will be payable.
Venture Capital Trusts (VCTs)	Initial commission of up to 2.5% plus up to 0.5% of your current fund value or initial investment each year, so up to £750 initial commission plus £150 trail commission in year two and so on (the actual amount in later years may vary in line with the value of the your investment). Please refer to the individual securities note for how the initial commission is paid. Unless we tell you otherwise, the trail commission is paid to us directly by the investment manager and is included within the standard charging structure of the investment.
Savings Accounts	Accounts pay either initial commission (up to 0.3%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £90 initial commission or £120 trail commission in year 2 and so on (actual amount will vary in line with the value of your savings account).