MB UK Quarterly Conditional Income Plan Y2 60

MB UK Quarterly Conditional Income Plan Y2 60


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5.75% per year, even if the FTSE falls up to 20%, and a lower capital at risk barrier…

With a 5.75% headline rate, not only does this plan pay a high level of interest if the FTSE fails to go up, but it also pays the same level of interest even if the stock market falls up to 20%
Oliver Roylance-Smith

Oliver Roylance-Smith

Head of Savings and Investments

Anything over 5% might well be considered a good level of income from your investment, especially if its paid even if the FTSE goes down by 20%, and that there is also some level of capital protection. Well that’s exactly what’s on offer from the MB UK Quarterly Contingent Income Plan Y2 60. 

The plan takes the closing level of the FTSE 100 Index at the start of the plan, and then every quarter thereafter. If on each quarterly date the FTSE has not fallen more than 20%, you will receive 1.4375% interest. That’s a potential 5.75% per year, even if the FTSE falls 20%. If it falls below this level, no income is paid for that quarter. 

The plan has a maximum term of 6 years, but also offers the opportunity to receive your initial capital back in full before then, if at the end of each year from year 2 onwards, the FTSE is at or above its level at the start of the plan. If it does not end early, your initial capital is returned in full provided the FTSE has not fallen by more than 40% 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 at risk. 

The balance of 5.75% interest even if the FTSE goes down, and a lower capital at risk barrier than similar income plans, could offer a compelling option for those seeking a high income from their capital.

Plan Details

Potential quarterly income: 1.4375% (equivalent to 5.75% annually) if the Index doesn’t fall by more than 20%

Potential to mature early annually from year 2 onwards if the FTSE rises by any amount

Capital at risk product – 60% 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 6 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: 11 May 2022
Direct & ISA Applications: 25 May 2022

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.

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 Quarterly Conditional Income Plan Y2 60 May 2022

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