I invested £5000 in one of these (Nationwide) 2 years ago and regret doing this (I am guaranteed a 10% rise over 5 years) - Wow !!

When I look at how the stock market has plumeted recently

However, Nationwide (and many others) are still offering them - why ?

Who in their right mind is going to risk their capital in one of these ?

Or am I missing something ?