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Structured Investment Product ISAs

Compare Structured Investment Product ISAs
Investment Growth Plan ISAs

FTSE 100 8 Year Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.15% per annum
  • Counterparty: BNP Paribas
  • Term: Up to 8 years
More Info Show Details

With such a high potential return if the FTSE 100 goes up by any amount, this could be an appealing investment, especially with the current uncertainty in the markets.

Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

  • 6.15% for each year (not compounded) provided the FTSE 100 finishes the same or higher than its starting value (subject to averaging)
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 6.45% per annum
  • Counterparty: BNP Paribas
  • Term: Up to 6 years
More Info Show Details

Kick out plans seem to attract particular interest when markets are repetitively flat since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 6.45% annual growth.

Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

  • 6.45% for each year (not compounded) provided the FTSE 100 finishes the same or higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 8 Year Defensive Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 4.50% per annum
  • Counterparty: BNP Paribas
  • Term: Up to 8 years
More Info Show Details

Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

  • 4.50% for each year (not compounded) provided the FTSE 100 finishes at or above 90% of its starting value (subject to averaging)
  • Potential to mature early, from year 3 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

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

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

FTSE 100 Step Down Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 4.50% per annum
  • Counterparty: BNP Paribas
  • Term: Up to 6 years
More Info Show Details

Important: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

  • 4.5% for each year (not compounded) provided the FTSE 100 finishes at or above kick out level
  • Required kick out level reduces from 100% to to 80% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Structured investment product ISAs allow you to invest your ISA allowance in a structured investment product which offers the potential for growth returns, without paying tax on any returns. Structured investment ISAs offer options for those willing to accept a higher level of risk for potentially higher returns, as well as for those looking for low risk or fixed returns.

What is a structured investment product ISA?

While a standard cash ISA allows you to simply earn tax-free interest on your savings, an investment ISA lets you invest your savings, giving you a chance to earn a higher return. Depending on which type of ISA you choose, your initial deposit may be at risk if the value of your investments go down. Alternatively, your deposit may be protected, meaning you will simply earn no return if your investments lose value.

A structured product ISA is a specific type of growth product where, instead of buying individual stocks and shares, or having a fund manager do this for you, your investment is linked to the stock market as a whole. In the UK, this will usually be the FTSE 100 index. Your investment will then pay out depending on whether the index as a whole moves up or down.

This approach is often considered easier and less risky than investing in individual shares, as the overall market is usually more stable and predictable than the stocks of a single company or handful of companies. However, the likely rewards may be lower as individual shares usually have the potential to move faster and further than the market as a whole.

Structured investment products are usually offered over 3 to 10 years, so are best suited to people who are willing to lock their savings away for a reasonable period of time in order to see potentially attractive rewards.

Types of structured product ISA

There are various different kinds of structured product ISAs which offer index-linked investment opportunities. Which you choose will likely depend on how much risk you are willing to take with your money and what level of return you are hoping to see.

Structured product deposits – Offer reasonably returns and your deposit is protected, even if the index moves down over the lifetime of the product.

Structured product investments – Have the potential to pay higher returns, but your deposit is at risk. This means if the index is at a lower level on your payout date than when the product started, you could lose some of your deposit.

Kick out structured product ISAs – Have a chance to pay out early if certain conditions are met. This usually means that if the index is up by a pre-agreed percentage or more on certain dates (usually each yearly anniversary of the product start date) the fund will mature early.

Compare structured product investment ISAs

Getting the right investment product for you can be a challenge when there are so many different options and providers to choose from. Using our ISA comparison tool at the top of the page, you can see leading ISA deals from across the market, allowing you to quickly and easily pick the best product for your finances and the level of return you would like to see.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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Our Top Picks for Technology Stocks and Shares ISAs

19th January 2021

The tech industry has been booming for the past fifteen years; and it seems to be a rollercoaster that only goes up. The tech bubble has yet to burst, with companies coming out with more and more technological developments and consumer demand is certainly not slowing down. So, for the tech-savvy investor who wants to put their pennies behind this strong growing industry, we’ve put together our top three picks for Technology Stocks and Shares ISAs. 

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