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Structured Kick Out ISAs

Investment Growth Plan ISAs

10:10 Plan

from Mariana

Allow ISA Transfers
Maximum Potential Return 11.10% per annum
  • Counterparty: Goldman Sachs International
  • Term: Up to 10 years

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.

  • Potential early maturity return of 11.1% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at least 5% above initial level
  • Alternative option 1 also available offering potential 7.2% pa if FTSE finishes above reference level, decreasing from 102.5% to 82.5% of initial level over term of plan
  • Alternative option 2 also available offering potential 9.1% pa if FTSE finishes at or above start level
  • Potential for early maturity from year 1
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 30% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • If you withdraw your money early 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)

FTSE 100 8 Year Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.50% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 8 years

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.

  • 9.5% for each year (not compounded) provided the FTSE 100 finishes 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
  • Product designed to be held for the full term

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.

SG UK Kick Out Plan

from Walker Crips

Allow ISA Transfers
Maximum Potential Return 10.00% per annum
  • Counterparty: Societe Generale
  • Term: Up to 8 years

This plan offer some capital protection against a falling stock market, and also the opportunity for as much as 10% growth in as little as 12 months

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.

  • 10% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
  • 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 £10,000
  • Product designed to be held for the full term

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 9.10% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

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 9.1% 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.

  • 9.1% for each year (not compounded) provided the FTSE 100 finishes 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
  • Product designed to be held for the full term

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.

UK 95% Step Down Kick Out Plan

from Walker Crips

Allow ISA Transfers
Maximum Potential Return 8.00% per annum
  • Counterparty: Morgan Stanley & Co International
  • Term: Up to 7 years

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.

  • 8% pa if FTSE 100 finishes above 95% of initial level
  • 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 £10,000
  • Product designed to be held for the full term

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.

Credit Suisse FTSE 100 Defensive Autocall Plan

from Dura Capital

Maximum Potential Return 7.31% per annum
  • Counterparty: Credit Suisse
  • Term: Up to 8 years

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.

  • 7.31% for each year (not compounded) provided the FTSE 100 finishes above autocall level
  • Required autocall level reduces from 100% to to 75% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA and direct investment
  • Plan not currently availalable for ISA transfer applications
  • Capital is at risk if FTSE 100 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
  • Product designed to be held for the full term

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.

What is a structured Kick Out ISA?

A Kick Out (sometimes referred to as an Autocall) is a popular feature with structured products. It provides the opportunity for the product to mature early if certain conditions are met.

So, if you have a structured ISA with a term of 6 years linked to the FTSE 100 index, the product might pay out after only 3 years if the FTSE 100 performs particularly well.

Kick out features are mostly commonly offered with structured investments where the original deposit is not protected. They can also function as a way of limiting potential loses where the product is designed to kick out if the linked index drops below a certain level.

How structured Kick Out ISAs work

The performance of the index is usually defined as a percentage of its value on the day the product term starts. An assessment will normally be made as to whether the product will pay out early each year on the anniversary of the product’s start date. The amount that the product will pay out will normally be defined at the start of the product term.

For example, you might have a structured investment ISA linked to the FTSE 100 with a term of 6 years. The terms of the kick out might state that if the FTSE 100 is above the level it was at on the product start date on the anniversary of that date, the original investment will be returned, plus 10% for each year since the product started.

So, if this happens one year into the product term, the investor would get their original capital back, plus 10%. After 2 years, it would be their original capital, plus 20% and so on. The assessment of the level of the index is usually based on its closing performance for the last 5 business days before the anniversary date.

Why use a structured Kick Out ISA

One of the main advantages of a structured kick out ISA is that they can pay out, even if the linked index has not performed particularly well. For example, even if the FTSE 100 has only increased by 1%, investors could still earn a return of 10%.

However, it is worth bearing in mind that if the index performs particularly well, you could end up earning less than the increase in the value of the index e.g. even if the FTSE ends up 20% higher than when your investment began, you will still only receive 10% back.

This can be a good option for those who want to increase their chances of earning a good return and who don’t mind the risk of missing out on potentially bigger returns if the market performs particularly well.

How to choose a structured Kick Out ISA

Out ISA comparison tool, found at the top of the page, allows you to quickly compare and contrast different ISA products from all the leading providers across the market. This allows you to easily weight up their various benefits so you can find the right investment product for your financial circumstances and investment aspirations.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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