Defined Returns Plan (Capital Protected)

Our Defined Returns Plan gives your clients the opportunity to earn competitive fixed returns even if the FTSE100 Index only shows negligible levels of growth.

Product summary

Three, Four and Five-year options

• Option of three, four or five-year investment terms - or all three
• Full capital repayment at the end of the chosen term. Plus a fixed return* of either:
  • 40% (five-year option)
  • 28% (four-year option)
  • 18% (three-year option)

* If the FTSE100 Index at the maturity date is the same or higher than the starting level (Initial Index Level)

Tax efficient

• Clients also have the chance to make these potential returns tax efficient by using any available ISA allowances. Returns are taxed as capital gains, allowing clients to utilise future CGT allowances and to potentially receive the return tax-free outside of an ISA
• Defined Returns remains eligible for pension portfolio investment within a SIPP or SSAS arrangement. The Plan is also suitable for Corporate and Trustee investment.

Commission

• Five-year Option - 3%
• Four- year Option - 3%
• Three-year Option - 2.5%
  
  NB Commission sacrifice can also be applied (upon request) to cases on a ‘one for one basis’. Call us on 0800 234 6023 to find out more.

If you would like to find out more about using this Plan in your clients’ portfolios, please call us on 0800 234 6023 to arrange to speak to one of our Business Development Managers.