Compare, select and invest in structured products and structured deposits ‘the Best Price way!’

View the latest Structured Deposit and Structured Investment plans from the UK's best providers.

Quality Structured Deposit and Structured Investment plans

We can support you on your wealth management journey by supplementing your investment portfolio with structured products solutions. These can offer a higher return than a standard deposit. Our solutions are simple to arrange, non-advised, or a more sophisticated solution that we will tailor to your needs.


What are Structured Products?

Structured Products are pre-packaged investments which provide a return based on the performance of an underlying asset. These are tailored to the needs of investors and designed for those who want to invest for a fixed period and have a degree of protection over their initial capital.



Advised or Non-advised?

Non-advised structured investments are lower risk, straightforward, affordable and easy to arrange for a fee of 0.5% per investment (subject to a minimum fee of £75).

For longer term, higher risk products we will spend time advising you and assessing your risk profile for a fee of 1.5% of the invested capital, (subject to the minimum advice fee of £300).

However, if an investor wants to talk through a non-advised product we can offer our advisory service, subject to a fee.

Definitions

Click on the diagram on the left to display the relevant definitions

Filter our range of structured products

Tempo FTSE 100 EWFD Long Income Plan JULY 2024 - Option 2

This is a maximum 10-year investment plan linked to the FTSE 100 EWFD, with two investment options – offering conditional income each quarter, including an innovative memory feature– and opportunities for an early maturity, from the third anniversary. This plan is only available on an Advised basis.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 21, 2024
Don't forget the risks
  • Potential return: 7.05 % per annum
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 55%
View plan

Tempo FTSE 100 EWFD Long Kick Out Plan JULY 2024 - Option 3

This is a maximum 10 year term product linked to the FTSE 100 EWFD, which offers three options, all of which are designed to generate a fixed level of return on one of the kick-out anniversary dates from the 3rd year. This investment is only available on an Advised basis.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 21, 2024
Don't forget the risks
  • Potential return: 10.1 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 55%
View plan

Tempo FTSE 100 EWFD Long Kick Out Plan: JULY 2024 - Option 1

This is a maximum 10 year term product linked to the FTSE 100 EWFD, which offers three options, all of which are designed to generate a fixed level of return on one of the kick-out anniversary dates from the 3rd year. This investment is only available on an Advised basis.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 21, 2024
Don't forget the risks
  • Potential return: 7.5 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 55%
View plan

Tempo FTSE 100 EWFD Long Kick-Out Plan JULY 2024 - Option 2

This is a maximum 10 year term product linked to the FTSE 100 EWFD, which offers three options, all of which are designed to generate a fixed level of return on one of the kick-out anniversary dates from the 3rd year. This investment is only available on an Advised basis.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 21, 2024
Don't forget the risks
  • Potential return: 8.65 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 10 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 55%
View plan

Meteor FTSE Daily 100 Kick Out Plan June 2024 - BN8621

The Meteor FTSE Daily 100 Kick Out Plan June 2024 - BN8621 is a maximum 7-year, 3-year investment offering a Potential Investment Return of 7.55% p.a. based on days in force, payable after year 2.

  • Closing Date: Jun 24, 2024
  • ISA Transfer: Jun 10, 2024
Don't forget the risks
  • Potential return: 7.55 % p.a. based on days in force, payable after year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 7 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Daily 90 Kick Out Plan June 2024 - BN8620

The Meteor FTSE Daily 90 Kick Out Plan June 2024 - BN8620 is a 7-year, 3-week investment plan offering a Potential gross investment return equivalent to 6.75% p.a. based on days in force, payable after year 3.

  • Closing Date: Jun 24, 2024
  • ISA Transfer: Jun 10, 2024
Don't forget the risks
  • Potential return: 6.75 % p.a. based on days in force, payable after Year 3
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 7 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE/STOXX Daily 90 Kick Out Plan June 2024 - NA8586

The Meteor FTSE/STOXX Daily 90 Kick Out Plan June 2024 - NA8586 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 8.05% p.a. based on days in force, payable after year 2.

  • Closing Date: Jun 26, 2024
  • ISA Transfer: Jun 12, 2024
Don't forget the risks
  • Potential return: 8.05 % p.a.
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50 Index
  • Counterparty: Natixis
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual 100 Kick Out Plan July 2024 Option 1 - BN8632

The Meteor FTSE Annual 100 Kick Out Plan July 2024 Option 1 - BN8632 is a maximum 5 year, 3 week investment offering a Potential gross investment return of 8.75% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 8.75 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual 100 Kick Out Plan July 2024 Option 2 - BN8633

The FTSE Annual 100 Kick Out Plan July 2024 Option 2 - BN8633 is a maximum 5 year, 3 week investment offering a Potential gross investment return of 8.60% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 8.6 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE Annual 90 Kick Out Plan July 2024 - BN8631

The Meteor FTSE Annual 90 Kick Out Plan July 2024 - BN8631 is a maximum 5 year, 3 week investment offering a Potential gross investment return of 7.10% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 7.1 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual Step Down to 65 Kick Out Plan July 2024 - BN8636

The Meteor FTSE Annual Step Down to 65 Kick Out Plan July 2024 - BN8636 is a maximum 6-years, 3 weeks investment offering a Potential gross investment return of 6.40% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 6.4 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 (Option 2) - BN8635

The Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 (Option 2) - BN8635 is a maximum 5-years, 3-weeks investment offering a Potential gross investment return of 6.95% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 6.95 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 Option 1 - BN8634

The Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 Option 1 BN8634 is a maximum 5-years, 3-weeks investment offering a Potential gross investment return of 7.10% payable for each year in force from year 2.

  • Closing Date: Jul 2, 2024
  • ISA Transfer: Jun 18, 2024
Don't forget the risks
  • Potential return: 7.1 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: BNP Paribas
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor Fixed Growth Recallable Plan July 2024 - CR8607 FULLY SUBSCRIBED

The Meteor Fixed Growth Recallable Plan July 2024 - CR8607 is a maximum 10 year, 3 week investment offering a Fixed gross investment return of 7.00% payable for each year in force from year 2.

  • Closing Date: Jul 3, 2024
  • ISA Transfer: Jun 19, 2024
Don't forget the risks
  • Potential return: 7 % payable for each year in force from year 2
  • Product type: Capital Protected
  • Investment type: Callable
  • Market / index link: N/A
  • Counterparty: Credit Agricole CIB
  • Investment term: 10 years, 3 weeks
  • Kick-out / Early maturity: No
  • Barrier type: Capital Protected
  • Barrier level: 0%
View plan

Meteor FTSE Annual Step Down to 75 Kick Out Plan July 2024 - MS8629

The FTSE Annual Step Down to 75 Kick Out Plan July 2024 - MS8629 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 6.65% payable for each year in force from year 2.

  • Closing Date: Jul 8, 2024
  • ISA Transfer: Jun 24, 2024
Don't forget the risks
  • Potential return: 6.65 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Morgan Stanley
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual Step Down to 85 Kick Out Plan July 2024 - CR8646

The FTSE Annual Step Down to 85 Kick Out Plan July 2024 - CR8646 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 7.35% payable for each year in force from year 2.

  • Closing Date: Jul 10, 2024
  • ISA Transfer: Jun 26, 2024
Don't forget the risks
  • Potential return: 7.35 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual Step Down to 70 Kick Out Plan July 2024 - HS8658

The Meteor FTSE Annual Step Down to 70 Kick Out Plan July 2024 - HS8658 is a maximum 5 year, 3 week investment offering a Potential gross investment return of 6.50% payable for each year in force from year 1. This plan is only available on an Advised basis.

  • Closing Date: Jul 19, 2024
  • ISA Transfer: Jul 5, 2024
Don't forget the risks
  • Potential return: 6.5 % payable for each year in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: HSBC Bank plc
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 - HS8659

The Meteor FTSE Annual Step Down to 80 Kick Out Plan July 2024 - HS8659 is a maximum 5-years, 3-weeks investment offering a Potential gross investment return of 7% payable for each year in force from year 2. This plan is only available on an Advised Basis.

  • Closing Date: Jul 19, 2024
  • ISA Transfer: Jul 5, 2024
Don't forget the risks
  • Potential return: 7 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: HSBC Bank plc
  • Investment term: 5 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Quarterly Step Down to 85 Kick Out Plan July 2024 - HS8657

The Meteor FTSE Quarterly Step Down to 85 Kick Out Plan July 2024 - HS8657 is a maximum 5 year, 3 week investment offering a Potential gross investment return of 1.75% payable for each quarter in force from year 1. This plan is only available on an Advised basis.

  • Closing Date: Jul 19, 2024
  • ISA Transfer: Jul 5, 2024
Don't forget the risks
  • Potential return: 1.75 % payable for each quarter in force from year 1
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: HSBC Bank plc
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Monthly Fixed Income Plan July 2024 (Option 1) - CR8660

The Meteor FTSE Monthly Fixed Income Plan July 2024 (Option 1) - CR8660 is a 4 year, 3 week investment offering a Fixed gross income payment of 0.475% payable per month.

  • Closing Date: Jul 24, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 0.475 % payable per month
  • Product type: Capital at Risk
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 4 years, 3 weeks
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Monthly Fixed Income Plan July 2024 (Option 2) - CR8661

The Meteor FTSE Monthly Fixed Income Plan July 2024 (Option 2) - CR8661 is a 4 year, 3 week investment offering a Fixed gross income payment of 0.4625% payable per month.

  • Closing Date: Jul 24, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 0.4625 % payable per month
  • Product type: Capital at Risk
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 4 years, 3 weeks
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 60%
View plan

Meteor FTSE/STOXX Annual 100 Kick Out Plan July 2024 - CG8677

The Meteor FTSE/STOXX Annual 100 Kick Out Plan July 2024 - CG8677 is a maximum 5-years, 3-week investment offering a Potential gross investment return of 11.65% payable for each year in force from year 2.

  • Closing Date: Jul 24, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 11.65 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 5 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE/STOXX Annual Step Down to 65 Kick Out Plan July 2024 - CG8679

The Meteor FTSE/STOXX Annual Step Down to 65 Kick Out Plan July 2024 - CG8679 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 7.75% payable for each year in force from year 2.

  • Closing Date: Jul 24, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 7.75 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE/STOXX Annual Step Down to 85 Kick Out Plan July 2024 - CG8678

The Meteor FTSE/STOXX Annual Step Down to 85 Kick Out Plan July 2024 - CG8678 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 9.25% payable for each year in force from year 2.

  • Closing Date: Jul 24, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 9.25 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index & Euro STOXX 50 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Quarterly 75 Income Kick Out Plan July 2024 - CG8674

The Meteor FTSE Quarterly 75 Income Kick Out Plan July 2024 - CG8674 is a maximum 10-years, 3-weeks investment offering a Potential gross income of 1.67% per quarter.

  • Closing Date: Jul 26, 2024
  • ISA Transfer: Jul 12, 2024
Don't forget the risks
  • Potential return: 1.67 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Meteor FTSE Quarterly 85 Income Kick Out Plan July 2024 - CG8673

The Meteor FTSE Quarterly 85 Income Kick Out Plan July 2024 - CG8673 is a maximum 9-years, 3-weeks investment offering a Potential gross income of 1.915% per quarter.

  • Closing Date: Jul 26, 2024
  • ISA Transfer: Jul 12, 2024
Don't forget the risks
  • Potential return: 1.915 % gross per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Terms
  • Barrier level: 65%
View plan

MB Structured Investments UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) June 2024 - BA8602

The MB Structured Investments UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) June 2024 - BA8602 is a maximum 5-years, 3-weeks investment offering a Potential gross investment return of 1.7625% payable for each quarter in force from 2 years.

  • Closing Date: Jun 25, 2024
  • ISA Transfer: Jun 11, 2024
Don't forget the risks
  • Potential return: 1.7625 % payable for each quarter in force from 2 years
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK/US Annual Step Down to 70 Kick Out Plan (Y2 65) June 2024 - BA8588 FULLY SUBSCRIBED

The MB Structured Investments UK/US Annual Step Down to 70 Kick Out Plan (Y2 65) June 2024 - BA8588 is a maximum 5-years, 3-weeks investment offering a Potential gross investment return of 8% payable for each year in force from year 2.

  • Closing Date: Jun 25, 2024
  • ISA Transfer: Jun 11, 2024
Don't forget the risks
  • Potential return: 8 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 years, 3 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

MB Structured Investments UK/US 5Y Quarterly 75 Income Kick Out Plan (Y2 65) July 2024 - BA8626

The MB Structured Investments UK/US 5Y Quarterly 75 Income Kick Out Plan (Y2 65) July 2024 - BA8626 is a maximum 5-years, 3-weeks investment offering a Potential gross income of 1.805% per quarter.

  • Closing Date: Jul 9, 2024
  • ISA Transfer: Jun 25, 2024
Don't forget the risks
  • Potential return: 1.805 % per quarter
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 5 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

MB Structured Investments UK 2Y 90 Growth Deposit Plan July 2024 - BA8664

The MB Structured Investments UK 2Y 90 Growth Deposit Plan July 2024 - BA8664 is a maximum 2-years, 3-weeks investment offering a Potential gross investment return of 11.50% payable at the end of the term.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 11.5 % payable at the end of the term
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: N/A
  • Counterparty: Barclays Bank plc
  • Investment term: 2 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK 3Y 100 Growth Deposit Plan July 2024 - BA8666

The MB Structured Investments UK 3Y 100 Growth Deposit Plan July 2024 - BA8666 is a 3-year, 3-week investment offering a Potential gross investment return of 23.25% payable at the end of the term.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 23.25 % payable t the end of the term
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 3 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK 3Y 90 Growth Deposit Plan July 2024 - BA8665

The MB Structured Investments UK 3Y 90 Growth Deposit Plan July 2024 - BA8665 is a 3-year, 3-week investment offering a Potential gross investment return of 19.55% payable at the end of the term.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 19.55 % payable at the end of the term
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Barclays Bank plc
  • Investment term: 3 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK 6Y 85 Consolation Growth Deposit Plan July 2024 - BA8669

The MB Structured Investments UK 6Y 85 Consolation Growth Deposit Plan July 2024 - BA8669 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 35.20% payable at the end of the term.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 35.2 % payable at the end of the term
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: N/A
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK 6Y Annual 85 Kick Out Deposit Plan (Y4) July 2024 - BA8668

The MB Structured Investments UK 6Y Annual 85 Kick Out Deposit Plan (Y4) July 2024 - BA8668 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 5.76% payable for each year in force from year 4.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 5.75 % payable for each year in force from year 4
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: N/A
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

MB Structured Investments UK 6Y Annual Step Down to 85 Kick Out Deposit Plan (Y3) July 2024 - BA8667

The MB Structured Investments UK 6Y Annual Step Down to 85 Kick Out Deposit Plan (Y3) July 2024 - BA8667 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 6.20% for each year in force from year 3.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jun 27, 2024
Don't forget the risks
  • Potential return: 6.2 % payable for each year in force from year 3
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: N/A
  • Counterparty: Barclays Bank plc
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Goldman Sachs FTSE 100 Deposit Kick Out - Dual Option (Option 1) - June 2024

This is a maximum 6-year, 1-week plan offering a Potential 5.75% return on investment for each year the Deposit Plan runs, paid gross. The Potential Return will only be paid if the Deposit Plan kicks out.

  • Closing Date: Jun 28, 2024
  • ISA Transfer: Jun 14, 2024
Don't forget the risks
  • Potential return: 5.75 % for each year the Deposit Plan runs, paid gross. The Potential Return will only be paid if the Deposit Plan kicks out
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 6 years, 1 week
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Goldman Sachs FTSE 100 Deposit Kick Out - Dual Option (Option 2) - June 2024

This is a maximum 6-year, 1-week investment offering a Potential 6.30% return on investment for each year the Deposit Plan runs, paid gross. The Potential Return will only be paid if the Deposit Plan kicks out.

  • Closing Date: Jun 28, 2024
  • ISA Transfer: Jun 14, 2024
Don't forget the risks
  • Potential return: 6.3 % for each year the Deposit Plan runs, paid gross. The Potential Return will only be paid if the Deposit Plan kicks out
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 6 years, 1 week
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Mariana FTSE 100 Defensive Kick Out Plan - July 2024

The Mariana FTSE 100 Defensive Kick Out Plan - July 2024 is a seven-year, two week Plan based on the performance of the FTSE™ 100 Index, the Underlying Asset, offering a potential 7.25% return on investment for each year the Plan runs, paid gross. The Potential Return will only be paid if the Plan kicks out.

  • Closing Date: Jun 28, 2024
  • ISA Transfer: Jun 12, 2024
Don't forget the risks
  • Potential return: 7.25 % return on investment for each year the Plan runs, paid gross. The Potential Return will only be paid if the Plan kicks out.
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 7 -years, 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana 10:10 Plan FTSE CSDI Version July 2024 (Option 1)

This is a maximum ten-years two-weeks plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index (FTSE CSDI), the Underlying Asset. The Plan is constructed to offer a Potential Return of 7.70% for each year the Plan runs, paid gross, with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 19, 2024
Don't forget the risks
  • Potential return: 7.7 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Auto-Call
  • Market / index link: FTSE CSDI
  • Counterparty: BNP Paribas
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

Mariana 10:10 Plan FTSE CSDI Version July 2024 (Option 2)

This is a ten-year two-week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan is constructed to offer a Potential Return of 8.85% for each year the Plan runs, paid gross, with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 19, 2024
Don't forget the risks
  • Potential return: 8.85 % per annum
  • Product type: Capital at Risk
  • Investment type: Growth/Auto-Call
  • Market / index link: FTSE CSDI
  • Counterparty: BNP Paribas
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

Mariana 10:10 Plan FTSE CSDI Version July 2024 (Option 3)

This is a ten-year two-week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan has three options and is constructed to offer a Potential Return of 10% and repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 19, 2024
Don't forget the risks
  • Potential return: 10 % per annum (paid gross)
  • Product type: Capital at Risk
  • Investment type: Growth/Auto-Call
  • Market / index link: FTSE CSDI
  • Counterparty: Morgan Stanley
  • Investment term: 10 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 70%
View plan

Mariana FTSE 100 Memory Income Kick Out Plan - July 2024

The Mariana FTSE 100 Memory Income Kick Out Plan - July 2024 is a maximum 6-years, 2-weeks investment offering a Potential Income of 1.50% for each quarter the Plan runs (6% p.a.); income is paid if the Closing Price of the Underlying is at or above the Income Trigger Level on a quarterly Observation Date. If the income criteria is not met for a quarterly observation period unpaid income will be paid on a future payment date if the Closing Price of the Underlying is at or above the Income Trigger Level on a subsequent quarterly Observation Date. With memory feature.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 19, 2024
Don't forget the risks
  • Potential return: 1.5 % for each quarter the Plan runs (6% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 6 -years, 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana Dual Index Income Kick Out Plan - July 2024

The Mariana Dual Index Income Kick Out Plan - July 2024 is a seven-year, two-week Plan based on the performance of the FTSE™ 100 and S&P 500® Indices, the Underlyings. The Plan is constructed to offer a Potential Income of 1.80% per quarter (7.20% p.a.) providing the Closing Price of both the Underlyings are at or above 80% of the Start Level on a quarterly Observation Date.

  • Closing Date: Jul 19, 2024
  • ISA Transfer: Jul 3, 2024
Don't forget the risks
  • Potential return: 1.8 % per quarter (7.20% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 7 -years 2-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Mariana Dual Index Defensive Income Issuer Callable - July 2024

The Mariana Dual Index Defensive Income Issuer Callable - July 2024 is a ten year, two week Plan based on the performance of the FTSE 100 Index and S&P 500®, the Underlyings. The Plan is constructed to offer a Potential Income of 1.85% per quarter (7.40% p.a) providing the Closing Price of both the Underlyings is at or above 75% of the Start Level on a quarterly Observation Date.

  • Closing Date: Jul 22, 2024
  • ISA Transfer: Jul 8, 2024
Don't forget the risks
  • Potential return: 1.85 % per quarter (7.40% p.a.)
  • Product type: Capital at Risk
  • Investment type: Callable
  • Market / index link: FTSE 100 Index and S&P 500 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 10 years, 2 weeks
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

IDAD Goldman Sachs 2 Year UK Defensive Deposit Plan Issue 1 - July 2024

The IDAD Goldman Sachs 2 Year UK Defensive Deposit Plan Issue 1 - July 2024 is a 2 year, 1 week term investment offering an Interest Rate of 8.00% p.a. if on any annual Observation date, the Underlying Index is at or below 100% of its initial Level.

  • Closing Date: Jul 5, 2024
  • ISA Transfer: Jun 21, 2024
Don't forget the risks
  • Potential return: 8 % p.a.
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 2 years, 1 week
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

IDAD Royal Bank of Canada UK Income Deposit Plan – Issue 11 - June 2024

This is a 5 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 6.45% 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.

  • Closing Date: Jul 18, 2024
  • ISA Transfer: Jul 4, 2024
Don't forget the risks
  • Potential return: 6.45 % p.a.
  • Product type: Deposit Based
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 5 years, 2 weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

hop investing UK Quarterly Step Down to 70 Kick Out Plan June 2024 - CI8609

The hop investing UK Quarterly Step Down to 70 Kick Out Plan June 2024 - CI8609 is a maximum 6-years, 3-weeks investment offering a Potential gross investment return of 1.575% payable for each quarter in force from year 2.

  • Closing Date: Jun 25, 2024
  • ISA Transfer: Jun 11, 2024
Don't forget the risks
  • Potential return: 1.575 % payable for each quarter in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Canadian Imperial Bank of Commerce
  • Investment term: 6 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

hop investment UK Quarterly Step Down to 80 Kick Out Plan June 2024 - CI8608

The hop investment UK Quarterly Step Down to 80 Kick Out Plan June 2024 - CI8608 is a maximum 7-years, 3-weeks investment offering a Potential gross investment return of 1.6875% payable for each quarter in force from year 2.

  • Closing Date: Jun 25, 2024
  • ISA Transfer: Jun 11, 2024
Don't forget the risks
  • Potential return: 1.6875 % payable for each quarter in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Canadian Imperial Bank of Commerce
  • Investment term: 7 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

hop investing 3 Year UK/Europe Annual Step Down to 75 Kick Out Plan July 2024 - CI8628

The hop investing 3 Year UK/Europe Annual Step Down to 75 Kick Out Plan July 2024 - CI8628 is a maximum 3-years, 3-weeks investment offering a Potential gross investment return of 7% payable for each year in force from year 2.

  • Closing Date: Jul 1, 2024
  • ISA Transfer: Jun 17, 2024
Don't forget the risks
  • Potential return: 7 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50 Index
  • Counterparty: Canadian Imperial Bank of Commerce
  • Investment term: 3 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

hop investing 3 Year UK/US/Europe Annual Step Down to 65 Kick Out Plan July 2024 - CI8627

The hop investing 3 Year UK/US/Europe Annual Step Down to 65 Kick Out Plan July 2024 - CI8627 is a maximum 3-years, 3-weeks investment offering a Potential gross investment return of 6.90% payable for each year in force from year 2.

  • Closing Date: Jul 1, 2024
  • ISA Transfer: Jun 17, 2024
Don't forget the risks
  • Potential return: 6.9 % payable for each year in force from year 2
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100, S&P 500 Index & Euro STOXX 50 Index
  • Counterparty: Canadian Imperial Bank of Commerce
  • Investment term: 3 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Hilbert FTSE 100 EW45 Conditional Memory Autocall - Issue 23

The Hilbert FTSE 100 EW45 Conditional Memory Autocall - Issue 23 is a capital at risk plan with an investment term up to 10 years offering an income potential of 1.875% per quarter (7.5% p.a.) (with memory feature to regain any missed income payments).

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 1.875 % per quarter 7.5% p.a. (with memory feature to regain any missed income payments)
  • Product type: Capital at Risk
  • Investment type: Income/Auto-Call
  • Market / index link: FTSE 100 EW45
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

Hilbert FTSE 100 EW45 Super Defensive Autocall : Issue 16

The Hilbert FTSE 100 EW45 Super Defensive Autocall : Issue 16 has an investment term of up to 10 years and offers a Potential Return of 8.6% p.a.

  • Closing Date: Jul 16, 2024
  • ISA Transfer: Jul 10, 2024
Don't forget the risks
  • Potential return: 8.6 % p.a.
  • Product type: Capital at Risk
  • Investment type: Growth/Auto-Call
  • Market / index link: FTSE 100 EW45
  • Counterparty: Citigroup Global Markets Ltd
  • Investment term: 10 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 50%
View plan

Causeway Securities UK 4-Year Defensive Deposit Plan - July 2024

The Causeway Securities UK 4-Year Defensive Deposit Plan - July 2024 is a 4-year investment offering a Potential Investment Return of The Potential Investment Return is a Fixed Interest payment of 21.5% of the money you invest paid at Maturity if the Underlying Asset is equal to or above the Final Barrier Level. If the Final Level is below the Final Barrier Level, no Potential Investment Return will be payable at the Maturity Date. This plan is only available on an Advised basis.

  • Closing Date: Jun 28, 2024
  • ISA Transfer: Jun 14, 2024
Don't forget the risks
  • Potential return: 21.5 % of the money you invest at Maturity
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 4 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Arcus 6Y UK Monthly Fixed Income Plan (MS17)

The Arcus 6Y UK Monthly Fixed Income Plan (MS17) is a six year investment offering a Fixed Income of 0.463% of your Amount Invested every month (a total of 5.556% of your Amount Invested a year).

  • Closing Date: Jul 12, 2024
  • ISA Transfer: Jul 5, 2024
Don't forget the risks
  • Potential return: 0.463 % per month (5.556% p.a.)
  • Product type: Capital at Risk
  • Investment type: Income
  • Market / index link: FTSE 100 Index
  • Counterparty: Morgan Stanley
  • Investment term: 6 years
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Arcus 7Y UK Defensive Step-Down Kickout Plan (CA27)

The Arcus 7Y UK Defensive Step-Down Kickout Plan (CA27) is a maximum 7 year investment offering a Potential return of 6.95% per annum.

  • Closing Date: Jul 12, 2024
  • ISA Transfer: Jul 5, 2024
Don't forget the risks
  • Potential return: 6.95 % p.a.
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Credit Agricole CIB
  • Investment term: 7 years
  • Kick-out / Early maturity: Yes
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Arcus 6Y UK & Europe Defensive Step-Down Kick-out Plan (MS18)

The Arcus 6Y UK & Europe Defensive Step-Down Kick-out Plan (MS18) is a maximum 6-year investment offering a Potential Return of 9% for each year that has passed since the Start Date, paid when the Plan matures.

  • Closing Date: Jul 26, 2024
  • ISA Transfer: Jul 16, 2024
Don't forget the risks
  • Potential return: 9 % for each year that has passed since the Start Date, paid when the Plan matures
  • Product type: Capital at Risk
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index and EURO STOXX 50 Index
  • Counterparty: Morgan Stanley
  • Investment term: 6 -years
  • Kick-out / Early maturity: No
  • Barrier type: End of Term
  • Barrier level: 65%
View plan

Product Providers



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.

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.

Want to stay up to date with the latest structured product news?