Plan Summary

The Enhanced Returns Plan is a simple, capital secure way to enjoy the opportunity for competitive returns, given only modest growth in the FTSE™ 100 Index.

You can choose a potential fixed return over three or five years, payable as long as the FTSE™ 100 Index doesn’t fall below its starting level at the end of that time – no growth in the Index is required.

The Plan is 100% capital-protected. This means that your initial capital is returned to you in full after the end of the Investment Term, however the FTSE™ 100 Index performs. This is important if you are unable or unwilling to take any risks with your capital.

 

Three-year fixed return option	Five-year fixed return option
Potential for a 27% fixed return after three years depending on the performance of the FTSE™ 100 Index.	Potential for a 57% fixed return after five years depending on the performance of the FTSE™ 100 Index.
Full capital protection if the Plan is held through to the Investment End Date.	Full capital protection if the Plan is held through to the Investment End Date.
This option is eligible for direct investment only.	This option is eligible Direct Investment, ISA Investment, ISA Transfers and pension investment via SIPP/SSAS.

If you hold the Plan through to the Investment End Date, you will receive your original capital back plus a potential return of 27% for the three-year option and 57% for the five-year option. This is provided the FTSE™ 100 Index is the same as or higher than its starting level. If the FTSE™ 100 Index is lower than its starting level, your capital will still be returned to you in full.

* Capital protection only applies if you remain invested in the Plan until the end of the Investment Term. Early encashment may result in a loss of capital.