MB UK Step Down Kick Out Plan Y3 60

MB UK Step Down Kick Out Plan Y3 60

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How does a 15% return on your investment after 3 years sound…?

For those investors who are not confident that the UK market will rise significantly in the coming years, this defensive investment could offer a compelling risk versus reward
MB UK Step Down Kick Out Plan Y3 60 Fair Investment

Oliver Roylance-Smith

Head of Savings and Investments

MB UK Step Down Kick Out Plan Y3 60 Fair Investment

Well that’s exactly what’s on offer from this defensive plan from MB. Should a ‘kick out’ investment mature early, not only do you receive the headline rate of return on offer, but also your initial investment back in full.

The plan offers 5% for each year invested (not compounded) provided the value of the FTSE 100 Index is above a specific level at the end of each year, compared to the value at the start of the plan. The required level is 105% of its starting value at the end of year 3, 100% at the end of years 4 and 5, and down to 80% in the final year. So the plan could offer 5% returns, even if the FTSE falls by 20%.

If the Index closes below the required level each year, no growth return will be paid and your initial investment will be returned in full unless the Index has fallen by more than 40% at maturity. If this does occur, your capital is at risk so you will lose some or all of your investment.

Depending on your view of the UK market, an investment that offers the potential for investment level growth returns even if the markets fall up to 20%, could be a timely one.

Plan Details

Potential Return: 5% for each  year invested (not compounded), if the FTSE is above required kick out level

Required kick out level reduces from 105% to 80% over the term

Potential to mature early (kick out) each year from year 3 onwards

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


ISA Transfer Applications: 10 August 2021
Direct & ISA Applications: 24 August 2021

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 Step Down Kick Out Plan Y3 60 August 2021

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