The Guaranteed 5 Year FTSE 100 Plan is designed for the investor who is looking for guaranteed return of initial deposit at maturity, but with the added potential of growth linked to the performance of the FTSE 100 Index. The objective of the Plan is to deliver returns in excess of cash deposits while guaranteeing the initial deposit at the Plan Maturity Date.

There are two investment options. For both options, FTSE 100 Index performance is measured by reference to an Initial Index Level and a Final Index Level and this is explained below and in the Terms and Conditions section of the brochure.

Option 1:Target Return 50%

500% of any rise in the FTSE 100 Index after 5 years, subject to a maximum of 50% growth: if at the end of the Investment Term, the Final Index Level is higher than the Initial Index Level, the Plan will pay an amount equal to your initial deposit plus 500% of any percentage growth, subject to a maximum return of 50% of your initial deposit. If at the end of the Investment Term, the Final Index Level is less than the Initial Index Level your initial deposit will be repaid without any growth at the Maturity Date.

Option 2: Target return 50%, minimum return 10.00%

10% minimum return, or if greater, 100% of any rise in the FTSE 100 Index after 5 years, subject to a maximum of 50% growth:
if at the end of the Investment Term, the Final Index Level is higher than 110% the Initial Index Level, the Plan will repay your initial deposit plus 100% of any percentage growth in the Index, subject to an overall maximum return of 50% of your initial deposit. If at the end of the Investment Term, the Final Index Level is less than 110% of the Initial Index Level, the Plan will repay 110% of your initial deposit at the Maturity  Date.

Both options guarantee full repayment of your initial deposit at maturity.


What are the ways in which you can invest?

There are several ways to invest in the Plan and you can choose any or all of these:

• Direct investment

You can invest between £1,500 and £1,000,000 direct into the Plan. Returns are subject to Income Tax.

• Using your ISA allowance

You can invest using your cash ISA allowance of up to £3,600, subject to the minimum of £1,500, if you have not already used all or part of it in this tax year. In each tax year you may only subscribe to one cash ISA. ISAs are only available to individuals who are resident and ordinarily resident in the UK; restrictions may apply.

• Transferring an existing cash ISA investment into the Plan

The minimum you can transfer from an existing cash ISA is £1,500, up to a maximum of £1,000,000. You can also transfer as many existing cash ISA investments as you wish, but there may be exit or associated charges from your existing Plan Manager.

• Other ways to invest

You can also invest in a Self Invested Personal Pension (SIPP) and Small Self Administered Scheme (SSAS) pension arrangements and Offshore Bond.