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14th
Aug 2018
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ISA Savings Focus - A Potential 6% pa From Your Savings

ISA Savings Focus - A Potential 6% pa From Your Savings

Although inflation over the last couple of months has fallen slightly to 2.50%, this is still much higher than you can get from many traditional savings products, such as fixed rate bonds. And if you take a look at a range of Cash ISA rates on offer, the options are even worse as these savings rates are generally much lower than their non-ISA equivalents.

Against this challenging environment for savers, the Deposit Kick Out Plan from Investec Bank has proved to be popular choice with a wide range of our new and existing savers.

By linking your return to the FTSE 100 Index, this plan offers a potential 6.0% per year (not compounded).

Although it has a maximum term of six years, it will ‘kick out’ early provided the value of the FTSE 100 Index at the end of each year from year 3 onwards, is higher than its value at the start of the plan.

That’s a potential 18% after three years, 24% after four years, etc.

The plan is deposit based and so offers the same FSCS protection as a normal fixed rate bond, but since the rate is not guaranteed, it should be considered as an alternative to traditional savings products.

With this in mind, if you think savings rates will remain at their current historical lows, alternatives such as these might well be worth a closer look…

Deposit Cash ISAs

FTSE 100 Kick Out Deposit Plan

from Investec

ISA Option
Maximum Potential Return 6.00% per annum
  • Deposit Taker: Investec Bank plc
  • Term: Up to 6 years

"By offering full capital protection plus a potential 6% per year, this plan offers the opportunity to beat low savings rates as well as tackle the effects of rising inflation."

  • Opportunity to mature early at year 3, 4 or 5
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • ISA transfers accepted
  • Short/medium term alternative to fixed rates
  • Minimum single Investment - £3,000
  • 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as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
  • Limited offer - deadlines apply. May close early if oversubscribed

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. 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, but you can be confident that your capital will be repaid. 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.

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