Tempo Structured Products

View the latest range of structured products from Tempo

Our Structured Product investments from Tempo are suitable for both private and corporate investors, and can be offered on an advised only basis. Our low fees guarantee that you you get more for your money. Access a quality Tempo Structured Product today with an incredibly low advice fee of 1.5% - subject to a minimum fee of £300.

Tempo FTSE 100 EWFD Long Kick Out Plan: APRIL 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: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 7.65 % 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: 50%
View plan

Tempo FTSE 100 EWFD Long Kick-Out Plan APRIL 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: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 8.7 % 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: 50%
View plan

Tempo FTSE 100 EWFD Long Kick Out Plan APRIL 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: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 10.15 % 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: 50%
View plan

Tempo FTSE 100 EWFD Long Growth & Kick-Out Plan - APRIL 2024

This is a maximum 10-year investment plan linked to the FTSE 100 EWFD, which combines two strategies in one plan: strategy 1) a potential kick-out return at year 5; or 2) a potential accelerated growth return at year 10. This plan is available on an Advised basis only.

  • Closing Date: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 67 % at year 5/equivalent to 13.40% p.a. simple
  • 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: 50%
View plan

Tempo FTSE 100 EWFD Long Income Plan APRIL 2024 - Option 1

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: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 6.1 % 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: 50%
View plan

Tempo FTSE 100 EWFD Long Income Plan APRIL 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: Apr 12, 2024
  • ISA Transfer: Mar 29, 2024
Don't forget the risks
  • Potential return: 7.2 % 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: 50%
View plan

Tempo FTSE 100 EWFD Fixed Growth Deposit Plan: May 2024

The plan is designed to pay a conditional stock market linked, fixed rate of interest on the end date, if the FTSE 100 EWFD closes at or above 95% of the ‘best entry’ start level. The plan is designed to pay a conditional, stock market linked, fixed rate of interest of 41.00% (AER 5.89%) at maturity, if the FTSE 100 EWFD closes at or above 95% of the ‘best entry’ start level on the end date. Over the first three months of the deposit term, the lowest daily closing level of the FTSE 100 EWFD is recorded as the start level of the plan. The plan includes an innovative ‘best entry’ start level feature. This investment is only available on an Advised basis.

  • Closing Date: May 3, 2024
  • ISA Transfer: Apr 19, 2024
Don't forget the risks
  • Potential return: 41 % (AER 5.89%) at maturity
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 6 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Tempo FTSE 100 EWFD Kick-Out Deposit Plan: May 2024

This plan is a maximum 6-year term structured deposit. The plan will pay a conditional, stock market linked, fixed rate of interest of 6.50% (a maximum AER of 5.95%), that accumulates (in other words, builds up) for each year that the plan runs, and is paid if the FTSE 100 EWFD closes at or above a reducing percentage of the start level (reducing from 100% on the fourth anniversary, by 2.5% on each subsequent anniversary, to 95% on the final anniversary). This plan is only available on an Advised basis.

  • Closing Date: May 3, 2024
  • ISA Transfer: Apr 19, 2024
Don't forget the risks
  • Potential return: 6.5 % for each year that the plan has run
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EWFD
  • Counterparty: Societe Generale
  • Investment term: 6 years
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Tempo FTSE 100 Memory Interest Deposit Plan: May 2024

The plan is a 5-year, fixed term structured deposit. The plan will pay a conditional, stock market linked, fixed rate of interest of 5.20% each year, payable annually throughout the deposit term for each year at which the FTSE 100 closes at or above 98% of the start level on the annual interest dates. The FTSE 100 does not need to rise – it simply needs to close at or above the start level at each annual interest payment date. The plan includes an innovative ‘memory’ feature. If an interest payment is missed due to the closing level of the FTSE 100 being below the level needed on an annual interest date, the plan remembers - and the missed interest can potentially be paid on a future annual interest date. On the next annual interest date at which the FTSE 100 closes at or above 98% of the start level, any missed interest will be paid, together with the interest due on that annual interest date. The plan is only available on an Advised basis.

  • Closing Date: May 3, 2024
  • ISA Transfer: Apr 19, 2024
Don't forget the risks
  • Potential return: 5.2 % each year, payable annually throughout the deposit term
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100
  • Counterparty: Royal Bank of Canada
  • Investment term: 5 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Product Providers



About Tempo Structured Products

Tempo Structured products is founded upon a commitment to straightforward, lower risk products, underpinned by operational strength and a focus on robust governance, presented with transparency and integrity, and exceptional support and exemplary service for professional advisers and their clients.

Our aim is to be the first of a new generation of retail structured product providers – redefining structured products for professional advisers and their clients.

Our approach to this is straightforward and is based on nothing more complicated than aiming to ‘do the right things – and do simple well’, providing professional advisers and their clients with a high calibre structured product provider, a carefully considered approach to structured products and a level of support and service that they can be genuinely confident in.

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.

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