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 | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 7Y US & Europe Defensive Step Down 70 Kickout Plan - CA40 | 03/07/2026 | 10.00% p.a. | Credit Agricole | S&P 500 & Euro Stoxx 50 | Capital Gains | 1 year | 7 years |
| 6Y UK Monthly Fixed Income Plan - MS71 | 03/07/2026 | 0.50% p.m. | Morgan Stanley | FTSE 100 | Income | N/A | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK 5 Year Fixed Monthly Income Plan - GS-19 | 05/06/2026 | 0.475% p.m. | Goldman Sachs | FTSE 100 | Income | N/A | 5 years |
| 10 Year UK EW45 Quarterly Kick Out Plan - SG-04 | 17/06/2026 | 2.55% quarterly | Societe Generale | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| UK Step Down Kick Out Plan - CA-16 | 19/06/2026 | 7.50% p.a. | Credit Agricole | FTSE 100 | Capital Gains | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| FTSE 100 EW45 Super Defensive Annual Autocall Plan - Issue 30 | 09/07/2026 | 9.00% p.a. | Societe Generale | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| FTSE 100 EW45 Defensive Semi-Annual Autocall Plan - Issue 08 | 09/07/2026 | 5.00% semi-annual | Societe Generale | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 3Y Tech Stock Basket Growth Plan - CIBC29 | 05/06/2026 | 36.75% after 3 years | CIBC | Microsoft - Alphabet - Amazon | Capital Gains | N/A | 3 years |
| 2Y Tech Stock Basket Monthly Fixed Income - CIBC30 | 05/06/2026 | 0.795% p.m. | CIBC | Nvidia - Alphabet - Apple | Income | N/A | 2 years |
| 5Y UK Defensive 65 Step Down Kickout Plan - CIBC32 | 12/06/2026 | 7.15% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 5 years |
| 5Y UK Defensive 85 Step Down Kickout Plan - CIBC31 | 12/06/2026 | 8.00% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 5 years |
| 5Y UK & US 85 Step Down Kickout Plan - CIBC35 | 23/06/2026 | 10.00% p.a. | CIBC | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| 5Y UK & Europe 70 Step Down Kickout Plan - CIBC33 | 23/06/2026 | 8.80% p.a. | CIBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| 6Y UK, Europe & US Defensive Step Down Kickout Plan - CIBC34 | 23/06/2026 | 10.00% p.a. | CIBC | FTSE 100, S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| 7Y US & Europe Monthly Conditional 80 Income Kickout Plan - CIBC36 | 26/06/2026 | 0.78% p.m. | CIBC | S&P 500 & Euro Stoxx 50 | Income | 2 years | 7 years |
| 10Y Fixed Growth Recallable Plan - CIBC37 | 01/07/2026 | 7.50% p.a. | CIBC | N/A | Income | 2 years | 10 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| Nikkei 225 Semi-Annual Mid Step Down to 85 Kick Out - MS10661 | 15/07/2026 | 5.50% Semi-Annual | Morgan Stanley | Nikkei 225 | Capital Gains | 1 year | 4 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK & US Monthly Fixed Income Plan - Issue 9 | 10/06/2026 | 0.5417% p.m. | Natixis | FTSE 100 & S&P 500 | Income | N/A | 5 years |
| Defensive Step Down Kick Out Plan - Issue 2 | 19/06/2026 | 8.65% p.a. | Goldman Sachs | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| 10:10 Plan - Issue 84 | 22/06/2026 | Option 1 - 8.35% Option 2 - 10.00% Option 3 - 10.95% | Natixis | FTSE CSDI | Capital Gains | 3 years | 10 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| FTSE 100 Defensive Kick Out Plan - July 2026 | 03/07/2026 | 7.16% p.a. | Credit Agricole | FTSE 100 | Capital Gains | 3 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK 5Y Annual Step Down to 85 Kick Out Plan (Y2 65) - BA10553 | 03/06/2026 | 7.76% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK 5Y Annual Step Down to 80 Kick Out Plan (Y2 60) - BA10554 **FULLY SUBSCRIBED** | 03/06/2026 | 7.15% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK 5Y Annual Step Down to 75 Kick Out Plan (Y2 60) - BA10555 **FULLY SUBSCRIBED** | 03/06/2026 | 6.80% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/Europe 7Y Quarterly 75 Income Kick Out Plan (Y2 65) - BA10552 | 03/06/2026 | 2.075% quarterly | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 7 years |
| UK/US 5Y Annual Step Down to 65 Kick Out Plan (Y2 65) - BA10559 | 10/06/2026 | 8.20% p.a. | Barclays Bank plc | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| UK 5Y Monthly Fixed Income Plan (65) - BA10556 | 10/06/2026 | 0.48% p.m. | Barclays Bank plc | FTSE 100 | Income | N/A | 5 years |
| UK/Europe 5Y Monthly 90 Kick Out Plan (Y2 65) - BA10558 | 10/06/2026 | 0.75% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/US 5Y Monthly 80 Income Kick Out Plan (Y2 65) - BA10581 | 11/06/2026 | 0.705% p.m. | Barclays Bank plc | FTSE 100 & S&P 500 | Income | 2 years | 5 years |
| US/Europe 5Y Annual Step Down to 65 Kick Out (Y2 65) - BA10562 | 15/06/2026 | 8.40% p.a. | Barclays Bank plc | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) - BA10617 | 25/06/2026 | 1.8625% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/Europe 5Y Annual Step Down to 85 Kick Out (Y2 65) - BA10618 | 25/06/2026 | 10.15% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/Europe 6Y Monthly Step Down to 60 Kick Out (Y2 60) - BA10613 | 25/06/2026 | 0.6675% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK/Europe 6Y Annual Step Down to 75 Kick Out (Y2 65) - BA10619 | 25/06/2026 | 9.15% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK/Europe 6Y Annual Step Down to 65 Kick Out (Y2 65) - BA10620 | 25/06/2026 | 8.50% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK/Europe 6Y Monthly 80 Income Kick Out Plan (Y2 65) - BA10622 | 26/06/2026 | 0.72% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK 5Y Annual 100 Kick Out Plan (Y2 65) - BA10624 | 26/06/2026 | 8.65% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/Europe 6Y Monthly 85 Income Kick Out Plan (Y2 65) - BA10621 | 26/06/2026 | 0.785% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 6Y Monthly 70 Income Kick Out Plan (Y2 65) - BA10623 | 26/06/2026 | 0.6425% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/US 5Y Annual Step Down to 80 Kick Out Plan (Y2 60) - BA10648 | 02/07/2026 | 9.20% p.a. | Barclays Bank plc | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| UK/US 6Y Monthly 70 Income Kick Out Plan (Y2 65) - BA10658 | 06/07/2026 | 0.645% p.m. | Barclays Bank plc | FTSE 100 & S&P 500 | Income | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| FTSE Annual Step Down 100 to 80 Kick Out (Option 1) - BN10573 | 02/06/2026 | 6.85% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 100 to 80 Kick Out (Option 2) - BN10574 | 02/06/2026 | 6.75% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 105 to 80 Kick Out - BN10576 | 02/06/2026 | 7.20% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE/STOXX Quarterly 80 Income Kick Out - CR10560 | 08/06/2026 | 2.2375% quarterly | Credit Agricole | FTSE 100 | Income | 2 years | 8 years |
| FTSE/STOXX Quarterly 65 Income Kick Out - CR10561 | 08/06/2026 | 1.8625% quarterly | Credit Agricole | FTSE 100 | Income | 2 years | 8 years |
| FTSE/STOXX Annual 100 Kick Out Plan - CR10598 | 24/06/2026 | 12.50% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 5 years |
| FTSE/STOXX Annual Step Down to 60 Kick Out - CR10582 | 24/06/2026 | 8.40% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE Daily 100 Kick Out Plan - BN10615 | 25/06/2026 | 7.65% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Daily 90 Kick Out Plan - BN10614 | 25/06/2026 | 7.00% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 3 years | 6 years |
| FTSE Monthly Fixed Income Plan - NA10599 | 01/07/2026 | 0.485% p.m. | Natixis | FTSE 100 | Income | N/A | 6 years |
| FTSE Quarterly 85 Income Kick Out Plan - CG10649 | 01/07/2026 | 1.80% quarterly | Citigroup | FTSE 100 | Income | 2 years | 7 years |
| FTSE Annual 100 Kick Out Plan - BN10639 | 03/07/2026 | 8.55% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 65 Kick Out Plan - BN10645 | 03/07/2026 | 6.95% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 75 Kick Out Plan - BN10644 | 03/07/2026 | 7.35% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| STOXX Annual Step Down to 80 Kick Out - BN10646 | 03/07/2026 | 8.65% p.a. | BNP Paribas | Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| STOXX Annual Step Down to 65 Kick Out - BN10647 | 03/07/2026 | 8.45% p.a. | BNP Paribas | Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 105 to 85 Kick Out - BN10641 | 03/07/2026 | 7.80% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 100 to 80 Kick Out - BN10640 | 03/07/2026 | 7.20% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 105 to 80 Kick Out (Option 1) - BN10642 | 03/07/2026 | 7.60% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down 105 to 80 Kick Out (Option 2) - BN10643 | 03/07/2026 | 7.40% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE/STOXX/S&P Annual Step Down to 65 Kick Out - CR10650 | 13/07/2026 | 9.85% p.a. | Credit Agricole | FTSE 100, S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK 6Y Monthly Step Down to 85 Kick Out (Y2 65) - HS10592 | 22/06/2026 | 0.6375% p.m. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK 6Y Monthly Step Down to 70 Kick Out (Y2 65) - HS10593 | 22/06/2026 | 0.585% p.m. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK/Europe 6Y Monthly 80 Income Kick Out (Y2 65) - HS10591 | 22/06/2026 | 0.7175% p.m. | HSBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK 6Y Quarterly Step Down to 65 Kick Out Plan (Y2 65) - HS10594 | 24/06/2026 | 1.75% quarterly | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK Step Down Kick Out Plan - CT153 | 05/06/2026 | 7.00% p.a. | Citigroup | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK & US Defensive Step Down Kick Out Plan - GS207 | 05/06/2026 | 8.55% p.a. | Goldman Sachs | FTSE 100 & S&P 500 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - GS204 | 05/06/2026 | 8.50% p.a. | Goldman Sachs | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Annual Kick Out Plan - GS205 | 05/06/2026 | 8.75% p.a. | Goldman Sachs | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK 95% Annual Kick Out Plan - HS721 | 12/06/2026 | 8.00% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Step Down Kick Out Plan - HS722 | 12/06/2026 | 7.00% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| Europe Step Down Kick Out Plan - HS724 | 12/06/2026 | 9.00% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| Japan Step Down Kick Out Plan - HS725 | 12/06/2026 | 10.75% p.a. | HSBC | Nikkei 225 | Capital Gains | 1 year | 6 years |
| Europe Annual Kick Out Plan - HS723 | 12/06/2026 | 10.25% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK & US Annual Kick Out Plan - MS236 | 19/06/2026 | 11.00% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK & US Step Down Kick Out Plan - MS237 | 19/06/2026 | 9.50% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK & Europe Step Down Kick Out Plan - CT157 | 24/06/2026 | 10.50% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK & Europe Annual Kick Out Plan - CT156 | 24/06/2026 | 12.50% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS726 | 01/07/2026 | 7.25% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS727 | 01/07/2026 | 7.60% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - HS728 | 01/07/2026 | 8.50% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| Europe & US Defensive Step Down Kick Out Plan - HS729 | 01/07/2026 | 8.30% p.a. | HSBC | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |