Investec FTSE 100 8 Year Defensive Kick Out Plan 4

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Important Update – Please Read

We are currently able to accept postal applications, however given the current circumstances we would suggest sending applications to us by e-mail if you can.  The funds for your investment should be transferred direct to the investment company so they have cleared funds by the closing date.  Account details for transferring funds are included on all application forms. Please send completed application forms and appropriateness questionnaires to us at admin@moneyworld.com. We will confirm receipt of your application within one working day.

If you have opted to pay your fee separately we will provide you with our account details when confirming receipt of your application.

Plan overview

The Plan is designed to repay your initial investment and deliver a return dependent on the performance of the FTSE 100 index.

If at the end of any of years 3, 4, 5, 6, 7 or 8 the FTSE 100 is higher than 90% of its  starting level, the Plan will mature returning your initial investment plus a fixed  payment equal to 6% per annum (not compounded).

If the Plan runs for the full 8 years and the FTSE 100 finishes lower than 60% of its  starting level, your initial investment will be reduced by 1% for every 1% fall in the  FTSE 100 over the Plan Term.

Please refer to the ‘How does the Plan Work’ section of the brochure for more  information, including the use of Averaging.

How do I invest?

Online Applications – Click Apply Online and follow the onscreen instructions (this option is not available for joint investments or if transferring an ISA to Investec)

Email Applications – Complete the Appropriateness Assessment Form and Application Form and email this to admin@moneyworld.com

We will confirm receipt of your application within 1 working day and provide account details to make any payments by bank transfer.

Postal Applications – Print and complete our Appropriateness Assessment Form and the Application Form and post these along with any cheque’s to;

Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.

Other Key Information

The FTSE 100 8 Year Defensive Kick Out Plan is a structured investment. Your money will be used to buy securities issued by Investec Bank plc

This product is denominated in GBP and is designed to return your initial investment as well as delivering a return linked to the performance of FTSE 100 (the “Underlying”) over the term of 8 years. This product also has the potential to mature early (“Kick Out”), returning your initial investment plus a return depending on the performance of the Underlying.

Early Maturity (Kick Out)

This product will “Kick Out” at the end of any year from the 3rd year onwards, returning your initial investment as well as 6% per year (not compounded), provided that the  Underlying is above 90% of its starting level.

Maturity After 8 years

If no Kick Out occurs and the product runs to the Final Maturity Date, your return will be determined accordingly:

If the Underlying is above 90% of its starting level, the product will return your initial investment plus 48%

If the Underlying is equal to or below 90% of its starting level, the product will return your initial investment with no additional return

 However, if on the Final Maturity Date, the Underlying is below 60% of its starting level, your investment will be reduced by 1% for every 1% fall in the Underlying.

This product has been designed for investors who are looking to potentially achieve a high  level of growth over a term of 6 years but can accommodate receiving their money back  before the end of the term. Investors will have a medium appetite to risk. They will be  prepared to risk their capital in order to achieve higher returns. Investors will understand that the potential returns of this product are linked to the performance of the FTSE 100.

Additionally, investors will have knowledge and understanding of this structured product from supporting product literature and any advice they have received, as well as an  understanding of financial markets.

To gain a full understanding of this Plan it is important that you read the brochure carefully, including the product risks and terms and conditions. If you are unsure about any aspect of this investment product, please seek financial advice to ensure the Plan suits your requirements and overall investment planning.

Moneyworld does not offer investment advice. The information in this brochure does not constitute tax, legal or investment advice. Please read our terms and conditions before investing

Application Fee

Our fee is just 0.5%. This can be deducted from the investment or paid by enclosing a cheque to Moneyworld.

Important Plan Dates

Closing Date: 18 September 2020

ISA Transfer closing date: 04 September 2020 

Important Documents

> Plan Brochure – FTSE 100 8 Year Defensive Kick Out Plan 4

> Key Information Document

> Order brochure by post

Structured Product Order Form

  • This will help us send the correct application form.

Application Forms

> Direct and ISA Application Form
(Also use for re-investing matured Investec plans)

> ISA Transfer Application Form

Other application forms

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Is the Investec FTSE 100 8 Year Defensive Kick Out Plan right for you?

This investment may be right for you if:

♦ You understand the risks of this Plan.

 You are prepared to risk losing some or all of your initial investment.

 You are looking for an investment linked to the performance of stock markets.

♦ You are looking to achieve growth over a 8 year period and can accommodate  receiving your money back before the end of the Plan Term.

You do not need access to your money over the next 8 years.

 You want a tax-efficient investment using your ISA allowance or via a SIPP/SSAS.

 You have a minimum of £3,000 to invest.

♦ You accept that if Investec Bank plc defaults during the Plan Term, you could lose all  of your investment and will have no recourse to the Financial Services Compensation  Scheme.

♦ You understand that returns are dependent on the performance of the FTSE 100,  which is observed on set dates and you accept that you may not achieve any return at  all.

This investment may not be right for you if:

 You are not prepared to risk losing some or all of your initial investment.

 You want a regular income and dividends.

♦ You disagree with or do not meet all of the criteria listed in the section to the left.

 You may need immediate access to your money before maturity.

You cannot commit to the full 8 year Plan Term.

 You want a guaranteed return on your investment.

 You want to add to your investment on a regular basis.

 You do not want to invest in a UK onshore asset that is subject to UK tax rules.