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The UK Protected Growth Plan offers investors an attractive combination of growth potential and capital protection by using a dynamic investment process. Within this process, your money is invested in two underlying components and adjusted on a daily basis to significantly reduce risk to the plan.

• The UK Stock market element takes the form of investment in the iFTSE 100 Fund – a specialist low cost fund managed by BGI, which tracks the performance of the FTSE™ 100 Index. Unlike some other index-tracking investments, which only mirror the capital movements of the Index, the iFTSE 100 Fund reflects the total return taking into account both capital  valuations and dividend income.

• The Cash Element is provided by investment in a highly rated sterling cash fund provided by BGI which is usually only available to institutional investors.

When the value of the FTSE™ 100 Index is falling, a proportion of money is moved from the UK stock market element into the cash element depending on the severity off the fall. This reduces the exposure of investors’ capital to the volatility of the stock market.

In rising markets money is transferred in the opposite direction. The exact allocation of funds is managed to meet the overall objectives of the plan, to provide steady capital growth coupled with a defined level of protection.

Benefits at a glance

• The long-term growth potential of the UK stock market

• Immediate capital protection of 80% (after initial charges)

• Ability to “lock-in” up to 80% of all gains during the life of the plan

• No fixed investment term and easy access to funds

• Three ways to invest – ISA, Direct and SIPP/SSAS pension eligible