iDAD Structured Products

View the latest range of structured products from iDAD

Our Structured Product investments from iDAD are suitable for both private and corporate investors, and can be offered on an advised and non-advised basis.

Our low fees guarantee that you get more for your money. Get a quality iDAD Structured Product today with an incredibly low fee!

IDAD Royal Bank of Canada US Income Deposit Plan - Issue 5 - June 2024

The IDAD Royal Bank of Canada US Income Deposit Plan - Issue 5 - June 2024 has a 4 year 2 week investment term offering an Interest Rate of 7.00% p.a. paid quarterly, if on any annual Observation date, the Underlying Index is between the upper and lower barrier levels the investor will receive income. This plan is only available on an Advised basis.

Advised
IDAD Royal Bank of Canada US Income Deposit Plan - Issue 5 - June 2024
  • Closing Date: May 31, 2024
  • ISA Transfer: May 17, 2024
Don't forget the risks
  • Potential return: 8 % p.a., if on any annual Observation date, the Underlying Index is between the upper and lower barrier levels
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: S&P 500 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 4 years, 2 weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
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IDAD Royal Bank of Canada UK Income Deposit Plan – Issue 10 - June 2024

This is a 7 year 2 week Deposit Plan linked to the performance of the FTSE 100 Index. The Deposit Plan is constructed to offer a potential return of 6.35% p.a. If on any annual observation date (including the Final Observation date), the Underlying index is between the upper and lower barrier levels income will be paid. For clarity, if on any annual observation date, the index is outside the range, no income will be received, and the plan continues until the next observation date. This plan is only available on an Advised basis.

Advised
IDAD Royal Bank of Canada UK Income Deposit Plan – Issue 10 - June 2024
  • Closing Date: May 27, 2024
  • ISA Transfer: May 13, 2024
Don't forget the risks
  • Potential return: 6.35 % p.a.
  • Product type: Deposit Based
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 7 years, 2 weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

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  • Our 'STAR Structured Product Provider' profile pages highlight each star provider, the additional support and services available to investors, and their products.

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About iDAD

IDAD Limited, formed in 2002, has developed a reputation as a Structured Product powerhouse. It's approach is based on capital preservation first, with growth or income opportunities structured to suit different market conditions

IDAD Limited: 2 Rotherbrook Court, Bedford Road, Petersfield, GU32 3QG. IDAD Limited is authorised and regulated by the Financial Conduct Authority FCA FRN 740499

Don’t forget the risks

All investments carry risk. It is identifying those risks, understanding how they may affect an investment and assessing whether an investment is suitable for your circumstances that is important.

The potential returns of most structured products and repaying the money invested are usually linked to the level of a stock market index and also depend on the financial stability of the issuer and counterparty bank. You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

You should always read the relevant plan brochure and any other plan documentation, for full details of a plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions there are other important documents, including a Key Information Document (‘KID’), that you should consider, before deciding to invest in a plan.

Structured products should only be considered as part of a diversified and balanced portfolio.

Below is a summary of some of the main risks usually associated with an investment in structured products plans:

Market risk to potential returns

Whether or not a plan generates the potential returns for investors usually depends on the closing level of the relevant index on the relevant dates for the plan, i.e. the kick-out anniversary dates for kick-out products; the early maturity dates and end dates for growth products; the annual income dates for income products.

If the index closes below the level needed, for the plan or plan options chosen, on all of the relevant dates, the plan or plan options will not generate a return.

Market risk to repayment of money invested in 'Capital-at-Risk' plans

If the closing level of the relevant index is below the level needed on all of the kick-out anniversary dates or early maturity dates, if relevant for the plan or plan options chosen, and on the end date, repaying the money invested at maturity will usually depend on the closing level of the index on the end date..

Different structured products use different types of protection barriers. Some products use barriers that are observed every day that can therefore be breached on any day during the investment term, while some products use barriers that are only observed at the end of the investment term and that cannot therefore be breached during the investment term.

Market risk to the repayment of money invested on the end date will depend on the type of barrier and its level.

For example, for a product with an end of term barrier, set at 60% of the start level, if the index for the plan closes at or above 60% of the start level, on the end date, money invested will be repaid in full (less any agreed adviser fees and withdrawals). However, if on the end date the index closes below 60% of the start level, the amount of money repaid (less any agreed adviser fees and withdrawals) will be reduced by the amount that the index has fallen. For example, if the index has fallen by 45%, the repayment of money invested will be reduced by 45% (meaning that investors will get 55% of their investment back).

'Protected' types of structured products

Some structured product plans are designed so that they are 100% protected from stock market risk at the end date.

It is important to understand that even if a structured product plan is designed with 100% protection from stock market risk, at the end date, it will still usually have issuer and counterparty bank risk. In other words, both the potential returns of the plan and repaying the money invested at the end date will depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Issuer and counterparty bank risk

Both the potential returns and repaying the money invested of most structured products depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Financial Services Compensation Scheme ('FSCS') protection

It is important to understand that it is not usually possible to claim under the Financial Services Compensation Scheme if the issuer and counterparty bank fail to meet their obligations or if the stock market index that a plan links to falls.

Structured deposits

Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and also benefit from the protection of the Financial Services Compensation Scheme, if the bank or building society is a licensed UK deposit taker.

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Structured Products Investor newsletter

We are also delighted to be able to introduce a new client newsletter, the Best Price FS Structured Products Investor, with the support of Tempo.

Contributing journalists will include the highly respected Financial Times ‘adventurous investor’ columnist, David Stevenson.

The first publication also features an article written by the global head of Tempo, Chris Taylor.

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