As an alternative to traditional cash ISAs, you may want to consider a structured deposit plan. This type of account offers the potential for higher returns than those available via fixed-rate cash ISAs.
- Deposit Taker: Goldman Sachs International Bank
- Term: Up to 7 years
Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 6.5% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- Plan can be ended early by Deposit Taker
- 1.75% per quarter (7% pa) if plan ends early
- 2 x FTSE 100 Index growth if plan runs full term
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- If plan runs full term returns not guaranteed. You may only receive a return of your original capital
- Minimum investment £10,000
- If you withdraw your money during the plan you may get back less than you originally invested
Calculate your interest with this plan
Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) 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.
- Deposit Taker: Investec Bank plc
- Term: 6 years
"This plan offers a potential fixed return of 42%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.
The 42% return is equivalent to 6.38% compound growth each year, which is well over double the best fixed rate bond, and more than 4% per year higher than the top fixed rate Cash ISA.
The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- 42% fixed return if FTSE 100 Index is higher at the end of the term
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum deposit £3,000
- Plan designed to be held for full term
Calculate your interest with this plan
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.
- Deposit Taker: Investec Bank plc
- Term: Up to 6 years
"By offering full capital protection plus a potential 5.25% per year, this plan offers the opportunity to beat low savings rates as well as tackle the effects of rising inflation."
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- Opportunity to mature at year 3, 4, 5 or 6 if the FTSE 100 Index is higher than initial level
- 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
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.
- Deposit Taker: Investec Bank plc
- Term: 3 years
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- 14% fixed return if the FTSE 100 Index is higher at the end of the term
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum deposit £3,000
- Plan designed to be held for full term
Calculate your interest with this plan
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.
- Deposit Taker: Investec Bank plc
- Term: 6 years
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- Fixed return no matter how the Index performs
- 18% fixed return if the FTSE 100 Index is higher than its Initial Level at the end of the term
- 9% fixed return if the FTSE 100 Index is the same or lower than its Initial Level at the end of the term
- Capital protected product*
- Minimum - £3,000
- Medium/longer term alternative to fixed rates
- Minimum deposit £3,000
- Plan designed to be held for full term
Important Information: *The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money.
- Deposit Taker: Royal Bank of Canada
- Term: 6 years
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- 100% of the FTSE 100 Index growth over the term of the plan
- Maximum return capped at 30% of initial investment
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum investment £10,000
- If you withdraw your money during the plan you may get back less than you originally invested
Calculate your interest with this plan
Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Royal Bank of Scotland) 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.
- Deposit Taker: Investec Bank plc
- Term: 6 years
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- Potential 0.21% per month (2.52% per year) if FTSE 100 Index above 75% of initial level
- Income paid even if Index falls by 25%
- Potential income paid monthly
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum deposit £3,000
- Plan designed to be held for full term
Calculate your interest with this plan
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.