Structured Deposits

Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances. Please note this is a non advice service and we do not provide a whole of market view. We will be paid commission by the plan provider upon completion, further details are available on request.

Income Deposit Plans - featured accounts - Products are listed alphabetically

    • Provider/Product name FTSE 100 Target Income Deposit Plan 16

      Investec Bank plc

      FTSE 100 Target Income Deposit Plan 16

    • Description

      Potential annual income of 4.00%

      Investment term - Six years

      Deposit Taker - Investec Bank plc

      Product is designed to be held for the full term

      The FTSE 100 Index is measured at the start of the Plan, and then on a yearly basis thereafter. If the average closing level of the Index for the five business days up to and including the anniversary date is higher than 90% of the Initial Index Level a fixed income of 4.00% gross will be paid to you. If the anniversary Index level is equal to or below 90% of the Initial Index Level no income will be paid for that year. However should the Index meet the required level on any future anniversary, any previously missed income payments will be added back and paid out. The Plan is available for cash NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

Growth Deposit Plans - featured accounts - Products are listed alphabetically

    • Provider/Product name Digital Growth Deposit Plan 5

      Morgan Stanley

      Digital Growth Deposit Plan 5

    • Description

      Potential return – 30% fixed return (gross)

      Investment term - Six years

      Deposit Taker - Lloyds Bank plc

      Product is designed to be held for the full term

      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 30% provided that the Final Index Level is the same or higher than the Initial Index Level by any amount. 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 available for Cash NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

    • Provider/Product name FTSE 5 Stock Deposit Kick Out Plan 1

      Mariana Capital

      FTSE 5 Stock Deposit Kick Out Plan 1

    • Description

      Potential return – 7.00% gross per year (not compounded)

      Investment term - up to six years

      Deposit Taker - Royal Bank of Canada

      Product is designed to be held for the full term

      The Mariana 5 Stock Deposit Kick Out Plan 1 is a maximum six year and two week structured deposit plan linked to the performance of five stock market listed companies (four from the UK FTSE 100 Index and one from the United States S&P 500: GlaxoSmithKline Plc, SSE Plc, Vodafone Group Plc, Wm Morrison Supermarkets Plc, and AT&T Inc respectively). If on any yearly Observation Date from year two onwards the levels of all five stocks are at or above 95% of their respective Start Levels, the Plan will mature early returning your original capital plus 7% for each year the plan has been active. If one or more stocks are below 95% of their Start Levels then the plan will continue until the next Observation Date. If the Plan runs for the full six year term and on the final Observation Date one or more stocks are below 95% of their Start Levels then there will be no return other than the original capital invested. The Plan is available for Cash NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

    • Provider/Product name FTSE 100 5 Year Deposit Plus Plan 7

      Investec Bank plc

      FTSE 100 5 Year Deposit Plus Plan 7

    • Description

      Target return - 20% gross or 100% of any growth in the Index if higher

      Investment term - Five years

      Deposit Taker Investec Bank plc

      Product is designed to be held for the full term

      The objective of the Plan is to provide a full repayment of capital at the end of the five year term, plus a minimum return of 20% provided that the Final Index Level (subject to averaging) is higher than the Initial Index Level by any amount. If the Index rises by more than 20% the return will be 100% of the FTSE 100 growth, with no upper limit

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

    • Provider/Product name Investec FTSE 100 Kick Out Deposit Plan 49

      Investec Bank plc

      Investec FTSE 100 Kick Out Deposit Plan 49

    • Description

      Potential return - 4.75% gross for every year the Plan is in force (not compounded)

      Investment term - Maximum six years

      Deposit Taker - Investec Bank plc

      Product is designed to be held for the full term

      The Plan has a six year term but offers the opportunity to mature early after years three, four or five. 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 it will return 4.75% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year three would return 14.25%

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

    • Provider/Product name FTSE 5 Step Down Kick Out Deposit Plan November/December 2014

      StartPoint

      FTSE 5 Step Down Kick Out Deposit Plan November/December 2014

    • Description

      Potential return - 6.00% gross annual growth and early maturity

      Investment term - up to six years

      Deposit Taker - Lloyds Bank PLC

      Product is designed to be held for the full term

      The Plan has a six year term, but offers the opportunity to mature early after years three, four or five. If on any annual Measurement Date the required Reference Level of the five shares is met, the Plan will mature early returning your original capital plus 6% gross for each year the plan has been active (not compounded). The required Reference Levels are 100% of the Opening Levels of all five shares at the end of year three, 95% at the end of year four, 90% at the end of year five, and 85% at the end of year six. Example – if the conditions were met at the end of year four (i.e. the closing value of all five shares on the 19th December 2018 was at least 95% or higher than their opening levels) the Plan would provide an interest payment of 24% as well as a return of your capital

      Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account

    • Go to site

    Limited offer - deadlines apply. May close early if oversubscribed. Plan designed to be held for the full term. Arrangement fees can apply. Returns not guaranteed. You may only receive a return of your original capital

Index-Linked Structured Products - featured accounts

Our structured deposit plans service provides you with information on various structured deposit plans as well as guides to help you decide on the right product for you. We earn commissions based on arrangements we make to introduce you to product providers, further details are available on request. We do not provide you with advice and you should discuss specific product terms with the product provider.

What is a structured deposit?

A structured deposit is essentially a combination of a deposit and an investment product which offers exposure to stock market linked returns whilst providing capital protection.

They are designed to be held for a fixed term, normally between 3 and 6 years, and the return is dependent on the performance of some underlying asset, which is usually the FTSE 100 Index. Unlike fixed rate bonds, these plans have variable returns and, in some case, variable maturities as well. This flexibility in design results in a wide range of options to choose from, whether you are looking for income or growth.

What are the advantages?

A structured deposit offers a balance of capital protection and the opportunity to receive returns which are linked to the stock market and so are often higher than those available from fixed rate bonds. By limiting the overall investment exposure, these plans are also able to offer capital protection, thus providing a return of your capital regardless of the performance of the index.

There are a number of different types of plan available to meet the needs of a wide range of savers. Some are designed with the potential to mature early, whilst others offer the potential for a high level of income each year, so plans can also benefit from a diverse range of market conditions.

What are the disadvantages?

The cost of the capital protection is that savers are unlikely to get the full benefit of any increase in the underlying index or the payment of dividends. The return of capital is also dependent on the solvency of the deposit taker and so you will need to consider carefully which institution you wish to deposit your cash with, as you would with any other savings product.

With flexibility in design also comes a wide range of complexity in how each product works and you should be sure you fully understand the product before proceeding. If the plan does not meet the requirements to achieve the stated level of income or growth and the saver only receives back their original capital, its value may have been eroded by inflation.

Close

Cookie use

MoneySupermarket uses cookies, small text files which are downloaded to your computer's hard drive when you visit most websites.

Read more

Cookies are harmless files which can help improve the experience. Cookies allow websites to respond to you as an individual. The website can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

Read less | Cookie Policy

Close