Structured investment products
We offer a wide range of products with the potential for growth on your investment or regular income
Structured investments aim to offer a defined return based on the performance of an index, indices or a basket of shares. We offer a wide range of products with the potential for growth on your investment or regular income.
Investments run for between 5-10 years with many structured investment products offering the potential to mature early (kick-out) subject to certain conditions being met.
It’s important to fully understand your chosen investment. Your capital is at risk and if the associated index or shares do not perform as required by the product you could lose some or all of the money you invest.
We also offer a range of Structured Deposit Products that offer a greater level of protection to your original capital
Investment term
The plans are available with terms between 5-10 years, a number of these plans come with the ability to mature early, however you should always be prepared for your plan to run for the full term
Low application fee
Our application fee is just 0.5%, this can be paid direct to us or you can have the fee deducted from your investment
Know the risks
It’s important to read and understand the risks for your chosen product, full details of these can be found in the plan brochure and key information document
Structured investment plans
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| 5Y UK Defensive Step Down Kickout Plan - MS30 | 20/12/2024 | Morgan Stanley | FTSE 100 | Capital Gains | 3 years | 5 years |
| 6Y UK Monthly Fixed Income Plan - MS32 | 03/01/2025 | Morgan Stanley | FTSE 100 | Income | N/A | 6 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| UK/EU Super Defensive Step Down (65) Kick Out Plan - December 2024 | 11/12/2024 | Morgan Stanley | FTSE 100 & Euro Stoxx 50 | Capital Gains | 3 years | 6 years |
| UK/EU Quarterly Income Kick Out Plan - January 2025 | 23/12/2024 | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 8 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| UK/Europe Monthly 80 Income Kick Out Plan - CI9233 | 11/12/2024 | CIBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 7 years |
| UK/Europe Annual Step Down to 65 Kick Out Plan - CI9238 | 11/12/2024 | CIBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 7 years |
| UK/Europe Monthly Fixed Income Kick Out Plan - CI9236 | 11/12/2024 | CIBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 5 years |
| UK Monthly Fixed Income Plan - CI9237 | 11/12/2024 | CIBC | FTSE 100 | Income | N/A | 7 years |
| UK Annual 100 Kick Out Plan – CI9250 | 18/12/2024 | CIBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Annual Step Down to 85 Kick Out Plan – CI9252 | 18/12/2024 | CIBC | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Annual Step Down to 80 Kick Out Plan - CI9251 | 18/12/2024 | CIBC | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Annual Step Down to 65 Kick Out Plan - CI9268 | 18/12/2024 | CIBC | FTSE 100 | Capital Gains | 2 years | 7 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| UK & US Monthly Fixed Income Plan - December 2024 | 13/12/2024 | Credit Agricole | FTSE 100 & S&P 500 | Income | N/A | 6 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| Dual Index Step Down Kick Out Plan - December 2024 | 09/12/2024 | BNP Paribas | FTSE 100 & Euro Stoxx 50 | Capital Gains | 3 years | 6 years |
| FTSE 100 Kick Out Plan - December 2024 | 13/12/2024 | Credit Agricole | FTSE 100 | Capital Gains | 4 years | 7 years |
| 10:10 Plan - January 2025 | 24/12/2024 | Natixis | FTSE CSDI | Capital Gains | 2 years | 10 years |
| FTSE 100 Defensive Kick Out Plan - January 2025 | 24/12/2024 | Morgan Stanley | FTSE 100 | Capital Gains | 3 years | 7 years |
| FTSE 100 Defensive Income Kick Out Plan - January 2025 | 24/12/2024 | Goldman Sachs | FTSE 100 | Income | 2 years | 6 years |
| Dual Index Defensive Income Kick Out Plan - January 2025 | 24/12/2024 | Morgan Stanley | FTSE 100 & S&P 500 | Income | 2 years | 6 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| UK 6Y Monthly 85 Income Kick Out Plan (Y2 65) - BA9223 | 05/12/2024 | Barclays Bank plc | FTSE 100 | Income | 2 years | 6 years |
| UK/Europe 5Y Quarterly 75 Income Kick Out Plan (Y2 65) - BA9224 | 05/12/2024 | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 5 years |
| UK/US 5Y Quarterly 80 Income Kick Out Plan (Y2 65) - BA9225 | 05/12/2024 | Barclays Bank plc | FTSE 100 & S&P 500 | Income | 2 years | 5 years |
| UK/Europe 5Y Annual Step Down to 70 Kick Out Plan (Y2 65) - BA9235 | 09/12/2024 | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/Europe 5Y Annual Step Down to 85 Kick Out Plan (Y2 65) - BA9234 | 09/12/2024 | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/US 5Y Annual Step Down to 85 Kick Out Plan (Y1 65) - BA9240 | 10/12/2024 | Barclays Bank plc | FTSE 100 & S&P 500 | Capital Gains | 1 year | 5 years |
| UK 4Y Monthly Fixed Income Kick Out Plan (Y2 65) - BA9239 | 10/12/2024 | Barclays Bank plc | FTSE 100 | Income | 2 years | 4 years |
| UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) - BA9266 | 16/12/2024 | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| US 5Y Annual Step Down to 85 Kick Out Plan - BA9313 | 19/12/2024 | Barclays Bank plc | S&P 500 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| FTSE/STOXX Annual Step Down to 65 Kick Out Plan - CG9200 | 04/12/2024 | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Fixed Growth Recallable Plan - CR9201 | 10/12/2024 | Credit Agricole | N/A | Income | 2 years | 10 years |
| FTSE Monthly Fixed Income Plan (Option 1) - CR9213 | 11/12/2024 | Credit Agricole | FTSE 100 | Income | N/A | 6 years |
| FTSE Monthly Fixed Income Plan (Option 2) - CR9214 | 11/12/2024 | Credit Agricole | FTSE 100 | Income | N/A | 6 years |
| FTSE Quarterly 85 Income Kick Out Plan - CG9231 | 12/12/2024 | Citigroup | FTSE 100 | Income | 1 year | 10 years |
| FTSE Quarterly 75 Income Kick Out Plan - CG9230 | 12/12/2024 | Citigroup | FTSE 100 | Income | 1 year | 10 years |
| FTSE/STOXX Daily 90 Kick Out Plan - NA9329 | 14/01/2025 | Natixis | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Plan name | Closing date | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|
| UK & US Annual Kick Out Plan - MS191 | 13/12/2024 | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK & US Step Down Kick Out Plan - MS192 | 13/12/2024 | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - CT123 | 03/01/2025 | Citigroup | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Annual Kick Out Plan - CT124 | 03/01/2025 | Citigroup | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Fixed Income Plan - CT121 | 03/01/2025 | Citigroup | FTSE 100 | Income | N/A | 5 years |
| UK Defensive Step Down Kick Out Plan - CT122 | 03/01/2025 | Citigroup | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Step Down Kick Out Plan - CA102 | 10/01/2025 | Credit Agricole | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK 95% Annual Kick Out Plan - MS193 | 10/01/2025 | Morgan Stanley | FTSE 100 | Capital Gains | 3 years | 7 years |
| UK 95% Annual Kick Out Plan - MS194 | 10/01/2025 | Morgan Stanley | FTSE 100 | Capital Gains | 3 years | 7 years |