Due to the government recommendations on the Coronavirus pandemic our office is running at a reduced capacity. As a result there may be delays in processing investment applications. We therefore recommend sending in your completed application well in advance of any deadline. Please note the providers we deal with are operating on a business as usual basis. Thank you for your understanding.

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

Potential 15% after 6 years 

  • Potential 15% if the FTSE 100 rises by any amount after 6 years
  • Equivalent to 2.50% per year
  • 6 year term
  • Available as cash ISA, non ISA or ISA transfer
  • Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
Our view: The 15% potential return is equivalent to 2.36% compound growth each year which is significantly more than the current leading longer term savings rates More Plan Details »
Plan Name

MB UK Growth Deposit Plan

Maximum Potential Return
17.1%
at end of term
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK Kick Out Deposit Plan

Maximum Potential Return
2%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

There are no tables for this criteria

Structured Deposits

While interest rates remain low, returns on fixed rate bonds aren’t as high as they used to be, but there are capital protected alternatives and if you are looking to tie money away for 3 years plus, structured deposit plans may be worth considering.

These plans have a fixed term and have a return linked to the performance of an underlying asset e.g. the FTSE 100.

Structured deposit are appropriate for people who have a low appetite for risk but are willing to accept a return on the deposit that involves some exposure to the stock market.

While returns are not normally guaranteed, they do offer the potential for competitive rates of return when compared to fixed term bonds.

As structured deposit plans are cash based they are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person per institution in the same way that savings accounts are.

Skipton Building Society Advisory Service

Advice for investment planning, retirement planning, pension planning and inheritance tax

Looking for financial advice can seem like a big step. It actually just starts with a conversation about your goals and how your money will help you get there. A no-obligation first conversation with someone experienced will help to work out if you might benefit from financial advice.
We’ve chosen the trusted Skipton Building Society to provide a personal financial  planning service for people using the Fair Investment site
  • There’s no pressure to act on their advice, and no upfront fees to pay. You’ll have the time you need to decide if you want to act on their recommendations, and will only pay a fee if you do.
  • You can speak to a Skipton adviser in a Skipton branch or without even leaving your home– they offer an award-winning video link service. You can also have an appointment over the phone or in a Skipton branch.
  • Free initial appointments and you’ll only be charged if you decide to proceed with the recommendations provided.
  • They’re a mutual society, not driven by shareholders

Phone now for a free consultation 

0345 600 6833 »

Or request a call back 

Skipton will call you back »
  Important information: Financial planning advice is likely to include stock market-based investments. These are not like bank and building society savings accounts: your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise. Pensions are long term investments and your eventual income will depend upon the size of the fund at retirement, future interest rates and tax legislation. IHT thresholds depend on your individual circumstances and prevailing legislation, both may change in future
Important Risk Information: This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. Different types of investment carry different levels of risk and may not be suitable for all investors. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.