- Capital protected product
- Available as a Cash ISA & for Cash ISA transfers
Advertisement
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. Structured Investments are designed to deliver either a target or fixed level of income over a defined period. Return of your initial investment is dependent on the performance of the underlying asset over the investment term, meaning you might not get back all or some of your initial deposit. There is a risk that the company backing the plan may be unable to repay your initial investment if they cease trading, for example. In this instance, Structured Investments are NOT usually eligible for the Financial Services Compensation Scheme (FSCS). Please think carefully and ensure you fully understand the risks before investing. If you are in any doubt as to whether these investments are suitable for you, please consult with an Independent Financial Adviser. There are no additional fees unless stated.
All capital protected * **
| Account Name | Maximum Potential Yield*** | Term | Deposit Taker | Access | More Details | ||
|---|---|---|---|---|---|---|---|
|
|
|
4.40%
per annum |
6 Years
|
Investec Bank
|
|
||
|
|||||||
All capital protected * **
| Product Name | Maximum Potential Return*** | Term | Deposit Taker | Access | More Details | ||
|---|---|---|---|---|---|---|---|
|
|
|
125%
x any FTSE 100 growth (35% Cap) |
6 Years |
Cater Allen - part of Santander UK plc |
|
||
|
|||||||
|
|
|
4.25%
per annum |
Up to 6 Years |
Investec Bank |
|
||
|
|||||||
|
|
|
120%
of any FTSE 100 growth |
5 Years |
Investec Bank |
|
||
|
|||||||
*The return of your capital and any growth depends on the ability of the deposit taker to repay your money.
**Subject to the Scheme's eligibility criteria - please see the brochure for details.
***Maximum returns/yields are not guaranteed & subject to certain conditions
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.
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.
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.
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.
Moneysupermarket.com Limited is an appointed representative of Moneysupermarket.com Financial Group Limited, which is authorised and regulated by the Financial Services Authority (FSA FRN 303190). Moneysupermarket.com Financial Group Limited, registered in England No. 3157344. Registered Office: moneysupermarket House, St. David's Park, Ewloe, CH5 3UZ. Telephone 01244 665700.