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Money Saving & Investing Investment Plans Compare
Investment Plans
Compare some of the best Investment Plans including Growth Plans and Income Plans with our easy to use comparison tables and find the right investment opportunity for you.
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Editors Choice - Investec - 6.48% Return
Get a potential return of 6.48% per year (0.54% per month) regardless of the performance of the FTSE.
Investing for Income
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6 year structured investment plan paying a fixed monthly income of 0.54% (equivalent to 6.48% annually. Also available as a Stocks & Shares ISA investment and ISA transfer.
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6.48%fixed income per annum
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6 year structured investment plan paying a fixed monthly income of 0.48% (equivalent to 5.76% annually. Also available as a Stocks & Shares ISA investment and ISA transfer.
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5.76%fixed income per annum
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A 6 year structured investment plan paying a potential maximum quarterly income of 1.50% (equivalent to 6% per year). Also available for Stocks & Shares ISA and ISA transfer.
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6%per annum
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Investec FTSE 100 Enhanced Income Plan
- The Investec FTSE 100 Enhanced Income Plan 1 – Option 1 is a six year Structured Investment Plan which provides fixed monthly income payments throughout the term of the Plan.
- The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.54% monthly regardless of the performance of the FTSE 100 Index, the equivalent to 6.48% gross per year.
- Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity. Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Fixed monthly income: 0.54% (equivalent to 6.48% per year)
- Capital at risk investment*
- Investment term: 6 Years
- Minimum single investment: £3,000
- Maximum Stocks & Shares ISA investment: £11,280
- Maximum investment: £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 1st February 2013
- Investment deadline for direct and ISA investment: 15th February 2013
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money. **An alternative UK Banks option is also available paying a slightly lower return which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of HSBC plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc. See brochure for details
Investec FTSE 100 Enhanced Income Plan
- The Investec FTSE 100 Enhanced Income Plan 3 is a six year structured investment plan which provides fixed monthly income payments throughout the term of the Plan.
- The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.48% monthly regardless of the performance of the FTSE 100 Index, equivalent to 5.76% gross per year.
- Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity. Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Fixed monthly income: 0.48% (equivalent to 5.76% per year)
- Capital at risk investment*
- Investment term: 6 Years
- Minimum single investment - £3,000
- Maximum 2013/14 Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 10 May 2013
- Investment deadline for direct and ISA investment: 24 May 2013
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
Gilliat Step Down Income Builder
- The Gilliat Step Down Income - April 2013 is a six year structured income investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The Plan aims to provide a maximum potential quarterly income payment of 1.5%, equivalent to 6% per year. The amount of income paid is determined by reference to the Weekly Observation Date which is measured every Thursday during the term of the Plan. For each Weekly Observation Date where the closing value of the FTSE 100 Index is at or above the required accrual level the income will accrue, and for each Weekly Observation Date it is below the required accrual level the income payment will not accrue. The Required Reference Levels are 5000 points during years 1 and 2, 4500 points during year 3, and then 4000 points during years 4, 5 and 6.
- Each quarter will have 13 Weekly Observation Dates (apart from the last one which will have 14) and income payments are calculated and paid at the end of each quarter, the total income payment being proportionate to the number of Weekly Observation Dates the index was at or above the accrual level.
- Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the End Value is not below 4000 points, you will receive the full return of your original investment. Capital will be at risk, however, if the End Value is less than 4000 points, in which case your capital would be reduced by the same percentage that the End Value is below the Start Value.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential maximum quarterly income: 1.50% (equivalent to 6% annually)
- Capital at risk product*
- The counterparty for this plan is Morgan Stanley
- Investment term: 6 years
- Minimum single investment: £3,000
- Maximum 2012/13 ISA investment: £11,280
- Maximum 2013/14 ISA investment: £11,520
- ISA transfers accepted
- No maximum non-ISA investment
- Investment deadline for ISA transfers: 2 April 2013
- Ivestment deadline for 2012/13 ISA investments: 5 April 2013
- Investment deadline for direct and 2013/14 ISA investment by cheque: 22 April 2013
- Investment deadline for direct and 2013/14 ISA investment by electronic transfer: 23 April 2013
- * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty, Morgan Stanley, to repay the monies.
Investing for Growth
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Capital Protected |
ISA Option |
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A 6 year structured investment plan with the potential to mature early from year 2, returning 6.75% for each year the plan is in place. Also available for Stocks & Shares ISA and ISA transfer.
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6.75%per annum
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Structured investment plan with the potential to mature after years 1, 2, 3, 4, or 5. If the plan matures early it will return 10% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
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10% per annum
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Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 8.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
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8.5%per annum
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5 year structured investment plan with the potential to mature early with a fixed return of 45%. Also available for Stocks & Shares ISA and ISA transfer.
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45%
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Structured investment plan with the potential to mature after years 1, 2, 3, 4, or 5. If the plan matures early it will return 8% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
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8% per annum
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Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
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6%per annum
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Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 7% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
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7% per annum
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6 year structured investment plan with a potential 'early exit' fixed return of 40% from year 3, 4 or 5. Also available for Stocks & Shares ISA and ISA transfer.
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40%
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A 6 year capital protected structured investment plan that offers a potential fixed return of 36%. Also available for Stocks & Shares ISA and ISA transfer.
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36%
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A 6 year structured investment plan with the potential to mature early from year 2, paying 8% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
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8%per annum
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5 year structured investment plan with the potential to mature early with a fixed return of 67.5%. Also available for Stocks & Shares ISA and ISA transfer.
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67.5%
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5 year structured investment plan with the potential to mature early with a fixed return of 27%. Also available for Stocks & Shares ISA and ISA transfer.
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27%
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A maximum 6 year capital protected structured investment plan that offers a potential early exit return of 15%. Also available for Stocks & Shares ISA and ISA transfer.
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No Limit
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Morgan Stanley FTSE Defensive Bonus Plan
- The Morgan Stanley FTSE Defensive Bonus Plan 10 is a maximum 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
- The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any yearly Observation Date from year 2 onwards, the closing level of the Index is at least 95% of the Initial Index Level, the Plan will mature early and activate the bonus feature - a return of capital plus 6.75% gross times the number of years the Plan has been active. For example, if conditions were met on year three, the Plan will mature early and and you will receive a full return of capital plus a growth return of 20.25% gross.
- If conditions are not met on any of the yearly Observation Dates, or at the end of year six you will receive no growth returns and return of your capital may be at risk.
- As long as the Index has not fallen by 50% or more from the Initial Index Level at any point during the term of the plan, you will receive the full return of your original investment. If the 50% barrier is breached at any point and the Final Index Level is below 95% of the Initial Index Level you will lose 1% of capital for every 1% the Index is below the starting level. As such, this investment may be appropriate only for those investors willing to risk that they may lose some or all of their capital.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Early maturity growth return: 6.75% x the number of the years the plan has been active*
- Capital at risk product**
- Morgan Stanley is the counterparty to the plan
- Investment term: Maximum 6 Years
- Minimum investment: £3,000
- Maximum stocks and shares ISA investment: £11,520
- ISA transfers accepted
- No maximum non-ISA investment
- Also available to businesses, charities, trusts and SIPPs
- Deadline for ISA transfers: 1st May 2013
- Deadline for direct and ISA applications: 15th May 2013
- * Dependent on the performance of the FTSE 100 ** The return of your capital depends on the performance of the FTSE 100 Index, and the ability of the counterparty (Morgan Stanley) to repay the monies.
RBS UK Higher Growth Kickout Plan
- The Royal Bank of Scotland UK Higher Growth Kickout Plan April 2013 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 1, 2, 3, 4 or 5. The Plan will achieve early maturity if on any Early Valuation Date the closing level of the Index is 5% or higher than the Initial Index Level. If the Plan does mature early then the Plan will return your original capital plus 10% gross times the number of years the Plan has been active.
- Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 20% (i.e. 2 x 10% of your original investment). If on the sixth anniversary the Index is 5% or higher than the Initial Index Level, the Plan will return your original capital plus 60%. However, if on the sixth anniversary, the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
- Capital will be at risk if the Index falls by more than 50% from its Initial Level at any time during the term of the Plan and fails to recover to at least it’s Initial Level by the end of the Plan. In this situation your capital will be reduced by the same percentage that the Final Index Level is below the Initial Index Level, and you may lose some or all of your original investment amount.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential fixed payment of 10% gross for every year the Plan is active
- Capital at risk product*
- Investment term - Up to 6 Years
- Arrangement fee applies
- Minimum single investment - £5,000
- Maximum Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- No maximum total investment
- Also available to businesses, charities and trusts
- ISA transfer deadline: 16 April 2013
- Direct and ISA investment deadlines: 30 April 2013
- *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Royal Bank of Scotland Plc) to repay the monies.
Investec FTSE 100 Enhanced Kick Out Plan
- The Investec FTSE 100 Enhanced Kick-Out Plan 36 is a structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- The objective of the Plan is to deliver attractive returns with the potential for early maturity dependent on the performance of the Index.
- The Plan has a 5 year term, but offers the opportunity to mature early after years 1, 2, 3 or 4. To achieve early maturity the average closing levels of the Index for the five business days up to, and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 8.5% gross times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 25.5% gross.
- If the Plan does not achieve early maturity then it will run for the full 5 year term and will return 1.2 times any growth in the Index with no upper limit, by comparing the Initial Index Level and the Final Index Level.
- Capital will be at risk if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level.The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential Return: 8.5
- % per annum in years 1, 2, 3 and 4 or a Final Year Growth Return of 1.2 x any rise in the FTSE 100
- Capital At Risk Product*
- Investment term - Up to 5 Years
- Minimum single investment - £3,000
- Maximum 2013/14 Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 10 May 2013
- Investment deadline for direct and ISA investment: 24 May 2013
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
Investec FTSE 100 Defined Returns Plan Investec Version
- Option 1 of the Investec FTSE 100 Defined Returns Plan 1 is a five year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by any amount from the Initial Index Level, the Plan will mature early and you will receive a fixed return of 45% plus the repayment of your initial investment.
- If the Index has not risen after three years, the Plan will continue to the end of the five year investment term. If at the end of the term the Final Index Level is above the Initial Index Level then you will receive a fixed return of 75% plus the repayment of your initial investment.
- If the Plan does not achieve early maturity and the Final Index Level is below the Initial Index Level then you will receive no return and your capital may be at risk.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential early maturity return: 45%
- Potential final maturity return: 75%
- Capital at risk investment*
- Investment term - 5 Years
- Minimum single investment - £3,000
- Maximum Stocks & Shares ISA investment - £11,280
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 1st February 2013
- Investment deadline for direct and ISA investment: 15th February 2013
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money. **An alternative UK Banks option is also available paying a slightly lower return which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of HSBC plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc. See brochure for details
RBS UK Growth Kickout Year 1+ Plan
- The Royal Bank of Scotland UK Growth Kickout Year 1+ Plan April 2013 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 1, 2, 3, 4 or 5. The Plan will achieve early maturity if on any Early Valuation Date the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then the Plan will return your original capital plus 8% gross times the number of years the Plan has been active.
- Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 16% (i.e. 2 x 8% of your original investment). If on the sixth anniversary the Index is equal to, or higher than the Initial Index Level, the Plan will return your original capital plus 48%. However, if on the sixth anniversary, the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
- Capital will be at risk if the Index falls by more than 50% from its Initial Level at any time during the term of the Plan and fails to recover to at least it’s Initial Level by the end of the Plan. In this situation your capital will be reduced by the same percentage that the Final Index Level is below the Initial Index Level, and you may lose some or all of your original investment amount.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential fixed payment of 8% gross for every year the Plan is active
- Capital at risk product*
- Investment term - Up to 6 Years
- Arrangement fee applies
- Minimum single investment - £5,000
- Maximum Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- No maximum total investment
- Also available to businesses, charities and trusts
- ISA transfer deadline: 16 April 2013
- Direct and ISA investment deadlines: 30 April 2013
- *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Royal Bank of Scotland Plc) to repay the monies.
Investec FTSE 100 Enhanced Kick Out Plan UK Banks Version
- Option 2 of the Investec FTSE 100 Enhanced Kick-Out Plan 35 is a structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to deliver attractive returns with the potential for early maturity dependent on the performance of the Index.
- The Plan has a 5 year term, but offers the opportunity to mature early after years 1, 2, 3 or 4. To achieve early maturity the average closing levels of the Index for the five business days up to, and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 6% gross times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 18% gross.
- If the Plan does not achieve early maturity then it will run for the full 5 year term and will return 1.2 times any growth in the Index with no upper limit, by comparing the Initial Index Level and the Final Index Level.
- Capital will be at risk if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level.The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities, clubs and associations, and trusts.
- Potential Return: 6% per annum in years 1, 2, 3 and 4 or a Final Year Growth Return of 1.2 x any rise in the FTSE 100 Index
- Capital at risk product*
- Investment Term - 5 Years
- Minimum single investment - £3,000
- Maximum 2012/13 Stocks & Shares ISA investment - £11,280
- Maximum 2013/14 Stocks & Shares ISA investment - £11,520
- ISA Transfers accepted
- Maximum investment - £1,000,000
- Investment deadline for ISA Transfers: 28 March 2013
- Investment deadline for 2012/13 ISA investment: 5 April 2013
- Investment deadline for direct and 2013/14 ISA investment: 12 April 2013
- *The return of your capital and any stated returns depends on the performance of the FTSE 100 Index and the ability of the counterparties to repay the monies. The UK Banks version offers additional protection which aims to reduce the risk to your investment. The return of your investment is dependent on the solvency of Aviva plc, Barclays Bank plc, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc.
RBS UK Step-down Defensive Kickout Plan
- The RBS UK Step-down Kickout Year 2+ Plan May 2013 is a six year structured investment plan linked to the performance the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
- The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any Early Valuation Date the Required Reference Level of the FTSE 100 Index is met, the Plan will mature early returning your original capital plus 7% gross for each year the plan has been active (not compounded). The Required Reference Levels are 97% of the Start Values of the Index at the end of Year 2, 94% at the end of Year 3, 91% at the end of Year 4, 88% at the end of Year 5, and 85% at the end of year 6.
- Example – if the conditions were met at the end of Year 4 (i.e. the closing value of the Index on the 5th June 2017 was at least 91% of its starting value) the plan would provide an interest payment of 28% as well as a return of your capital.
- If the Required Reference Level is not met then the plan will continue until the following year. If conditions are not met on any of the yearly Early Valuation Dates you will receive no growth returns and return of your capital may be at risk.
- Capital may be at risk if the Plans fails to meet the Required Reference level on any of the Annual Observation Dates. In this case as long as the Index has not fallen by more than 50% from its Initial Level at any time during the term of the Plan, you will receive the full return of your capital. Capital will be lost if the Index has fallen by more than 50% and the Final Index Level is lower than the last Reference Level of 85%. In this situation your capital will be reduced by the same percentage that the Final Index Level is below the Initial Index Level, and you may lose some or all of your original investment amount.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential fixed payment of 7% for every year the Plan has been active
- Capital at risk product*
- Investment term - Up to 6 Years
- Arrangement fee applies
- Minimum single investment - £5,000
- Maximum Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- No maximum total investment
- Also available to businesses, charities and trusts
- ISA transfer deadline: 16 May 2013
- Direct investment and ISA deadline: 24 May 2013
- *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Royal Bank of Scotland Plc) to repay the monies.
Morgan Stanley FTSE Accelerator Bonus Plan
- The Morgan Stanley FTSE Accelerator Bonus Plan 6 is a maximum 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- If on any yearly Observation Date on year 3, 4 or 5 the Index has risen by 5% or more from the Initial Index Level, the Plan will mature early and activate the Bonus Feature - a return of capital plus a 40% gross fixed return.
- If the Index has not risen by 5% or more from the Initial Index Level from year 3, the Plan will continue until the next Observation Date. If conditions are not met on any of the Bonus Observation Dates, at the end of year 6 you will receive 10 times any positive growth in the Index, with maximum returns capped at 40% of your original investment.
- If conditions are not met on any of the yearly Observation Dates, and there is no positive growth in the Index at the end of year 6, you will receive no growth returns and return of your capital may be at risk.
- Capital will be at risk if the Index falls by more than 50% from its Initial Level at any time during the term of the Plan and fails to recover to at least it’s Initial Level by the end of the Plan. In this situation your capital will be reduced by the same percentage that the Final Index Level is below the Initial Index Level.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential ‘Early exit’ fixed return: 40%*
- Capital at risk product**
- Investment term: Maximum 6 Years
- Arrangement fee applies
- Minimum single investment: £3,000
- Maximum ISA investment: £11,520
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- Investment deadline ISA transfers: 24 May 2013
- Investment deadline for direct and ISA investment: 3 June
- * If the Index has risen by 5% or more after years 3, 4 or 5 ** The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.
Morgan Stanley FTSE Protected Digital Growth Plan
- The Morgan Stanley FTSE Protected Digital Growth Plan 1 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to provide a full repayment of capital at the end of the six year term, plus a defined return of 36% gross provided that the Final Index Level is equal to or higher than the Initial Index Level.
- If, at maturity, the Final Index Level is lower than the Initial Index Level, you will not receive a return but your original capital will be repaid.
- The Plan is designed to repay 100% of your initial investment at maturity. This means that if the Index is unchanged or falls over the investment term, you will not receive any investment growth but your initial investment is protected.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Target return: 36% gross
- Capital protected product *
- Investment term: 6 Years
- Minimum single investment - £3,000
- Maximum 2012/13 ISA investment: £11,280
- Maximum 2013/14 ISA investment: £11,520
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- Investment deadline 2012/13 ISA investments: 5 April 2013
- Investment deadline ISA transfers: 9 April 2013
- Investment deadline for direct and 2013/14 ISA investment: 16 April 2013
- * The return of your capital depends on the ability of the counterparty (Morgan Stanley) to repay the monies.
Legal and General Early Bonus Plan
- Option A of the Legal & General Early Bonus Plan 13 is a maximum 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. The Plan will achieve early maturity if on any Anniversary Date from year 2 onwards the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then it will return your original capital plus 8% times the number of years the Plan has been active.
- Example - If the conditions were met on the third anniversary, the Plan would mature early, returning your capital plus 24% (i.e. 3 x 8% of your original investment). If, on the sixth anniversary the Index is equal to or higher than the Initial Index Level, the Plan will return your original capital plus 48%. However, if on the sixth anniversary, the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
- As long as the Index has not fallen by 50% or more at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 50% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital
- The Plan is available for stocks & shares ISA, ISA transfer and direct investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential early maturity return - 8% gross x the number of years the Plan is active
- Capital at risk investment*
- Alternative option available offering a kick out rate of 6% gross if the Index falls by up to 10%
- Investment term - maximum 6 Years
- Arrangement fee applies
- Minimum single investment - £3,000
- Maximum ISA investment - £11,520
- ISA transfers accepted
- No non-ISA maximum investment limit
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 14 June 2013
- Investment deadline for direct and 2013/14 ISA investment: 28 June 2013
- * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty, Abbey National Treasury Services Plc, who are a wholly owned subsidiary of Santander UK Plc.
Investec FTSE 100 Defined Returns Plan Investec Version
- Option 1 of the Investec FTSE 100 Defined Returns Plan 3 is a five year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by any amount from the Initial Index Level, the Plan will mature early and you will receive a fixed return of 40.5% plus the repayment of your initial investment.
- If the Index has not risen after three years, the Plan will continue to the end of the five year investment term. If at the end of the term the Final Index Level is above the Initial Index Level then you will receive a fixed return of 67.5% plus the repayment of your initial investment.
- If the Plan does not achieve early maturity and the Final Index Level is below the Initial Index Level then you will receive no return and your capital may be at risk.
- Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity. Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential early maturity return at year 3: 40.5%
- Potential final maturity return at year 5: 67.5%
- Capital at risk investment*
- Investment term - up to 5 Years
- Arrangement fee applies
- Minimum single investment - £3,000
- Maximum 2013/14 Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 10 May 2013
- Investment deadline for direct and ISA investment: 24 May 2013
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money. **An alternative UK Banks option is also available paying a slightly lower return which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of Aviva plc, Barclays Bank plc, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc. See brochure for details
Investec FTSE 100 Defined Returns Plan UK Banks Version
- Option 2 of the Investec FTSE 100 Defined Returns Plan 2 is a five year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by any amount from the Initial Index Level, the Plan will mature early and you will receive a fixed return of 27% plus the repayment of your initial investment.
- If the Index has not risen after three years, the Plan will continue to the end of the five year investment term. If at the end of the term the Final Index Level is above the Initial Index Level then you will receive a fixed return of 45% plus the repayment of your initial investment.
- Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity. Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential early maturity return at year 3: 27%
- Potential final maturity return at year 5: 45%
- Capital at risk investment*
- Investment term - up to 5 Years
- Minimum single investment - £3,000
- Maximum 2012/13 Stocks & Shares ISA investment - £11,280
- Maximum 2013/14 Stocks & Shares ISA investment - £11,520
- ISA transfers accepted
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
- Investment deadline for ISA Transfers: 28 March 2013
- Investment deadline for 2012/13 ISA investment: 5 April 2013
- Investment deadline for direct and 2013/14 ISA investment: 12 April 2013
- *The return of your capital and any stated returns depends on the performance of the FTSE 100 Index and the ability of the counterparties to repay the monies. The UK Banks version offers additional protection which aims to reduce the risk to your investment. The return of your investment is dependent on the solvency of Aviva plc, Barclays Bank plc, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc.
Morgan Stanley FTSE Protected Growth Plan
- The Morgan Stanley FTSE Protected Growth Plan 53 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
- Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by 5% or more from the Initial Index Level, the Kick Out feature is triggered. At this point, the Plan will end early and you will receive a fixed return of 15% plus the repayment of your initial investment.
- If the Index has not risen by 5% or more from the Initial Index Level after three years, the Plan will continue to the end of the six year investment term and you will receive 100% of any growth in the Index, with no upper limit. Performance of the Index is measured by comparing the Initial Index level with the Final Index Level, subject to averaging.
- The Plan is designed to repay 100% of your initial investment at maturity. This means that if the Index is unchanged or falls over the investment term, you will not receive any investment growth but your initial investment is protected.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Growth returns: 100% of FTSE 100 Index growth (if the Early Exit feature is not triggered)
- Potential early exit return: 15%*
- Capital protected product **
- Investment term: Maximum 6 Years
- Minimum single investment - £3,000
- Maximum 2012/13 ISA investment: £11,280
- Maximum 2013/14 ISA investment: £11,520
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- Investment deadline 2012/13 ISA investments: 5 April 2013
- Investment deadline ISA transfers: 9 April 2013
- Investment deadline for direct and 2013/14 ISA investment: 16 April 2013
- * Available if the FTSE 100 Index has risen by 5% or more at the 3rd anniversary.** The return of your capital depends on the ability of the counterparty (Morgan Stanley) to repay the monies.
Disclaimer
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.
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Investment Plans Explained
- What are Investment Plans?
Investment plans offer savers an exciting saving option, providing the opportunity to invest in a variety of funds managed by professional investment managers giving them the potential to earn significantly higher returns that those offered on regular savings accounts. Investment bonds are usually used to produce long-term capital growth, but are also used to generate income.
- What are the risks involved?
The minimum investment is typically between £3,000 and £10,000. Unlike stable savings accounts, there is an element of risk involved when investing in plans, but if you would you would rather minimise the risk involved you can choose a plan that covers your investment using capital protection, so you would only be risking your returns. As with most risks, there's always the potential to see a positive outcome, and by choosing the right places to invest, you could find yourself earning some very attractive returns on your investment.
- How can I earn tax free returns from Investment Plans?
As well as regular investment plans, savers can also incorporate their Individual Savings Account (ISA) allowance, allowing them to invest up to £10,680 every year without having to pay a penny in taxes on the returns gained. This can be an extremely effective method for making your savings grow, as there is no limit to the amount of tax free returns you can earn within in any one year. Some people have been known to make it to the ISA Millionaire status simply through making good use of their ISA allowances.
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