Potential 19% return in 2 years…
If you could achieve almost double digit returns pa on your capital even if the market stayed relatively flat, and you also knew your capital would be returned unless the stock market falls by more than 40%, how would that sound?
This plan from Walker Crips offers the ability to kick out at the end of each year from year two inwards provided the value of the FTSE 100 Index is at or above its value at the start of the plan. If it is, you will receive your capital back, along with 9.5% for each year invested (not compounded). So the stock market can stay flat or only has to rise a little to achieve this growth return.
If the FTSE is lower at the end of every year, no growth is achieved and your initial capital is returned unless the Index has fallen by more than 40% at the end of the plan term. If it has, your initial capital is reduced by 1% for each 1% fall, in which case you could lose some or all of your initial investment.
So not only does the plan offer some capital protection against a falling stock market, but also the opportunity for nearly 10% pa.
Potential Return: 9.5% per annum in years 2, 3, 4, 5 or 6
Capital At Risk Product
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: £10,000
Maximum ISA investment: £20,000
No maximum for ISA transfers and non-ISA investments
Cash ISA Transfer applications: 12 December 2018
Stocks & Shares ISA Transfer applications: 5 December 2018
Direct & ISA applications: 4 January 2019
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.