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 18

      Investec Bank plc

      FTSE 100 Target Income Deposit Plan 18

    • Description

      Potential annual income - 4.2% (gross)

      The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

      Investment term - 6 years

      The Investec FTSE 100 Target Income Deposit Plan 18 is a six year structured deposit plan linked to the performance of the FTSE 100 Index (‘the Index’).

      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 95% of the Initial Index Level a fixed income of 4.2% gross will be paid to you.

      If the average anniversary Index level is equal to or below 95% 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.

       

       

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    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 Investec FTSE 100 4 Year Deposit Plan 2

      Investec Bank plc

      Investec FTSE 100 4 Year Deposit Plan 2

    • Description

      Target return - 17% if the Index is higher

      The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

      Investment term - 4 years

      Potential high growth returns and capital protection.
       

      The Investec FTSE 100 4 Year Deposit Plan 2 (‘the Plan’) is a four year capital protected structured deposit 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 four year term, plus a fixed return of 17% provided that the Final Index Level (subject to averaging) is higher than the Initial Index Level by any amount.

      If, at maturity, the Final Index Level is equal to or lower than the Initial Index Level, you will not receive a return but your original capital will be repaid.

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    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 recieve a return of your original capital

    • Provider/Product name Investec FTSE 100 6 Year Defensive Deposit Plan 2

      Investec Bank plc

      Investec FTSE 100 6 Year Defensive Deposit Plan 2

    • Description

      Target return - 33% if the Index is above 90% of its Initial Level

      The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

      Investment term - 6 years

      Potential high growth returns and capital protection, even in a falling market

      The Investec FTSE 100 6 Year Defensive Deposit Plan 2 (‘the Plan’) is a six year capital protected structured deposit 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 fixed return of 33% provided that the Final Index Level (subject to averaging) is higher than 90% of the Initial Index Level by any amount.

      If, at maturity, the Final Index Level is equal to or lower than 90% of the Initial Index Level, you will not receive a return but your original capital will be repaid.

       

       

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    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 recieve a return of your original capital

    • Provider/Product name Investec FTSE 100 Kick Out Deposit Plan 55

      Investec Bank plc

      Investec FTSE 100 Kick Out Deposit Plan 55

    • Description

      Potential return - 4.5% gross for every year the Plan is in force (not compounded)

      The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.

      Investment term - up to 6 years

      The opportunity for early maturity with capital protection

      The Investec FTSE 100 Kick-Out Deposit Plan 55 is a maximum six year structured deposit 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 6 year term, but offers the opportunity to mature early after years 3, 4 or 5. 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 4.5% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 13.5%.

      If the Plan runs for the full 6 year term and Final Index Level on the maturity date is higher than the Initial Index Level then you will receive a 27% return (6 x 4.5%) plus the return of your capital. If the Plan reaches the end of its 6 year term and the Final Index Level is still not above the Initial Index Level you will receive back your initial deposit with no return.

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    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 Defensive Supertracker Plan September 2015

      Meteor

      FTSE Defensive Supertracker Plan September 2015

    • Description

      Potential return - 2 x growth in the FTSE 100 Index above 80% of initial level after 6 years, capped at 60%

      The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Royal Bank of Canada) to repay the monies

      Investment term - 6 Years 

      Potential High Growth Returns
       

      The Meteor FTSE Defensive Supertracker Plan September 2015 is a 6 year two week structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).

      After 6 years the Plan will return 2 x any growth in the Index from 80% of its Initial Level to its Final Level, subject to a maximum return of 60% gross of your original investment.

      For example if the Final Index Level is 10% below the Initial Index Level the return will be 20% (2 x 10%). If the Final Level is 5% above the Initial Level the return will be 50% (2 x 25%). If the Final Level is 10% above the Initial Level the return will be 60% (2 x 30%). If the Final Index Level is anything above 10% of the Initial Level the return is capped at 60%.

      If at maturity, the Final Index Level is lower than 80% of the Initial Index Level you will not receive an investment return and return of your capital may be at risk.

      As long as the Final Index level has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% 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, this safety net has been breached at maturity, you will lose 1% of capital for every 1% the Index has fallen below the Initial Index level.  It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only suitable for those investors willing to accept the risk that they may lose some or all of their capital.

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    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 recieve a return of less than 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.

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