MB UK Fixed Monthly Income Plan

MB UK Fixed Monthly Income Plan


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Fixed income plan: 3% per year, monthly payments, paid regardless of the performance of the FTSE…

With medium term savings rates currently only offering around 1.7% fixed, ask yourself – is a return of capital unless the FTSE falls by more than 35% a fair trade off for a 3% fixed income?
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

If you’re concerned about low-interest rates and you’re looking for a higher level of fixed income than traditional fixed rate bonds, this new income plan from MB could be a good place to start.

The UK Fixed Monthly Income Plan pays a fixed income of 0.25% each month (equivalent to 3% each year) and has a fixed term of four years. The income is paid regardless of what happens to the FTSE 100 so you know exactly how much you will be paid.

The plan has a maximum term of 4 years, but also offers the opportunity to receive your initial capital back in full before then if the FTSE is at least 5% above its initial level at the end of each year from year 2 onwards. If the plan does not end early, your initial capital is returned in full provided the FTSE has not fallen by more than 35% at the end of the plan term. If it has, your initial investment will be reduced by 1% for each 1% fall, so your capital is at risk. 

If the opportunity for fixed regular income no matter how the FTSE performs sounds appealing, this plan could be worth considering.

Plan Details

Fixed monthly income: 0.25% (equivalent to 3% per year)

Potential to mature early annually from year 2 onwards if the FTSE rises by 5% or more

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 4 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: 30 November 2021
Direct & ISA Applications: 14 December 2021

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.

MB UK Fixed Monthly Income Plan December 2021

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