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STRUCTURED DEPOSITS

These savings products combine capital protection with the opportunity to receive returns which are linked to the performance of the stock market, usually the FTSE 100 Index. They are generally more complicated than standard Cash ISAs & Fixed Rate Bonds, and with some there is a risk you could incur losses. We therefore suggest you only invest once you understand how they work.

Legal & General 6 Year Growth Deposit Bond 20

  • Capital protected product
  • Available as a Cash ISA & for Cash ISA transfers

 

 

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.

 


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Income Deposit Plans

All capital protected * **

Account Name Maximum Potential Yield*** Term Deposit Taker Access More Details
Investec FTSE 100 Target Income Deposit Plan 4
4.40%

per annum

6 Years
Investec Bank
  • Online
  • Telephone
  • Branch
  • Post
  • Cash point
More Details

The Investec FTSE 100 Target Income Deposit Plan 4 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 90% of the Initial Index Level a fixed return of 4.40% Gross will be paid to you. If the anniversary Index level is equal to or below 90% of the Initial Index Level no return will be paid for that year. However, should the Index meet the required level on any future anniversary, any previously missed payments will be added back and paid out.

 

The Plan is available for cash ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. 

 

    Potential annual income: 4.40% (Gross)
    Capital protected product*
    Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account
    Investment term - 6 Years 
    Arrangement fee applies
    Minimum single investment - £3,000 
    Maximum 2013/14 cash ISA investment - £5,760
    Cash ISA transfers accepted
    Maximum direct investment - £1,000,000 
    Also available to businesses, charities and trusts
    This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
    Investment deadline for ISA transfers: 28th June 2013 
    Investment deadline for direct and ISA investment: 12th July 2013

*The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
  • Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers - 28th June 2013
  • Investment deadline for direct and ISA investment - 12th July 2013
  • This plan offers a potential income of 4.40% per year depending on the performance of the FTSE 100
  • Min direct deposit £3,000
  • Product designed to be held for the full term

Growth Deposit Plans

All capital protected * **

Product Name Maximum Potential Return*** Term Deposit Taker Access More Details
Legal & General
6 Year Growth Deposit Bond 20
125%

x any FTSE 100 growth (35% Cap)

6 Years

Cater Allen - part of Santander UK plc
  • Online
  • Telephone
  • Branch
  • Post
  • Cash point
More Details

The Legal & General 6 Year Growth Deposit Bond 20 is a six year 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 maturity, plus 125% gross of any growth in the Index after 6 years, capped at a maximum 35% of your original investment. Growth in the Index is measured by comparing the Final Index Level to the Initial Index Level. If at maturity, the Final Index Level is equal to or lower than the Initial Index Level you will not receive an investment return but your original capital will be repaid.

For example based on a £10,000 investment, if after 6 years the Final Index Level is 20% above the Initial Index Level then you will receive £2,500 Gross (125% of the growth) plus your original capital. If the Index has gone up by 60%, you will receive £3,500 Gross (125% of the growth, capped at 35% of your original investment) plus your original capital.

The Plan is available for Cash ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.

    Potential return: 125% of any rise in the FTSE 100 Index, capped at a maximum 35% of your original investment
    Capital protected product*
    Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account
    Investment term: 6 Years
    Minimum single investment: £500
    Maximum ISA investment: £5,760
    Cash ISA transfers accepted
    No maximum total investment
    Also available to businesses, charities and trusts
    Investment deadline ISA transfers: 1st June 2013
    Investment deadline for direct and ISA investment: 14th June 2013

*The return of your initial deposit depends on the ability of the deposit taker (Cater Allen Private Bank) to repay your money.
  • This plan is available as a Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts
  • Investment deadline ISA transfers: 1st June 2013
  • Investment deadline for direct and ISA investment: 14th June 2013
  • This plan offers a potential return of 125% x any FTSE 100 growth, capped at 35%. Returns not guaranteed. You may only receive a return of your original capital
  • Min direct deposit £500
  • Product designed to be held for the full term
Investec Kick Out Deposit Plan 37
4.25%

per annum

Up to 6 Years

Investec Bank
  • Online
  • Telephone
  • Branch
  • Post
  • Cash point
More Details

The Investec FTSE 100 Kick-Out Deposit Plan 37 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 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 2, 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 4.25% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 12.75%.

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 25.5% return (6 x 4.25%) plus the return of your capital. If the Plan reaches the end of it's 6 year term and the Kick-Out Level is still not above the Initial Index Level you will receive back your initial deposit with no additional return.

The Plan is available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.

    Potential return: 4.25% Gross for every year the Plan is in force (not compounded)
    Capital Protected Product*
    Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account
    Investment term: Up to 6 Years
    Arrangement fee applies
    Minimum single Investment: £3,000
    Maximum 2013/14 cash ISA investment: £5,760
    Cash ISA transfers accepted
    Maximum direct investment: £1,000,000
    Also available to businesses, charities and trusts
    This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
    ISA transfer deadline: 28th June 2013
    Direct and ISA investment deadline: 12th July 2013

* The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
  • Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers - 28th June 2013
  • Investment deadline for direct and ISA investment - 12th July 2013
  • This plan offers a return of 4.25% for each year it has been in place and can mature early from year 2 provided the FTSE 100 is higher than its starting value. If these conditions are not met you will only receive a return of your original capital
  • Min direct deposit £3,000
  • Product designed to be held for the full term
Investec FTSE 100 Deposit Growth Plan 25 - Option 1
120%

of any FTSE 100 growth

5 Years

Investec Bank
  • Online
  • Telephone
  • Branch
  • Post
  • Cash point
More Details

Option 1 of the Investec FTSE 100 Deposit Growth Plan 25 (‘the Plan’) is a five 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 maturity, plus 120% Gross of any growth in the Index after 5 years with no upper limit. Growth in the Index is measured by comparing the Final Index Level to the Initial Index Level. 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.

The Plan is available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.

    Potential return - 120% of any rise in the FTSE 100 Index after 5 years (Gross)
    Capital protected product*
    Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account
    Investment term - 5 Years
    Arrangement fee applies
    Minimum single investment - £3,000
    Maximum 2013/14 cash ISA investment - £5,760
    Cash ISA transfers accepted
    Maximum direct investment - £1,000,000
    Also available to businesses, charities and trusts
    This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
    ISA transfer deadline: 28th June 2013
    Direct and ISA investment deadline: 12th July 2013

*The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
  • Available for Cash ISA, Cash ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers - 28th June 2013
  • Investment deadline for direct and ISA investment - 12th July 2013
  • This plan will return 120% of any growth in the FTSE measured as the value at the start and the end of the investment term. If the FTSE is lower at the end of the investment term you will only receive a return of your original capital
  • Min direct deposit £3,000
  • Product designed to be held for the full term

*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.


Help & Support

Structured deposits guide

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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