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Key Dates |
| Download Brochure |
Closing Date: 25 May 2012 |
| Download Direct Investment & ISA Application |
ISA Transfer closing date: 11 May 2012 |
| Download ISA Transfer Application | Order literature by post |
| Download SIPP/SSAS Application |
Summary
There are two Plan options available: the Investec option and the UK 5 option. The UK 5 option is designed to reduce the risk of potential loss to your investment in the event that Investec fails or becomes insolvent. The risk to your investment will instead be dependent on the solvency of the named UK 5 (HSBC Bank plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc). • The Plan is designed to deliver a pre-defined return if the FTSE 100 increases over the 5 year Plan Term. • 80% return (Investec option) or 70% return (UK 5 option) if the FTSE 100 is higher after 5 years. Both options also aim to return your initial investment at maturity. However, if the FTSE 100 falls by more than 50% from the starting level at any point during the Plan, and finishes lower than the starting level, your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 at the end of the Plan. For further details on how Investec calculate returns, which includes the use of ‘averaging’, please see ‘How does the Plan work?’ on page 9 of the plan brochure. Considerations for Investing If the following statements apply then an investment in the plan may be appropriate: • You are prepared to risk losing some or all of your initial Plan investment • You are looking for an investment linked to the performance of stock markets • You do not need access to your money over the next 5 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 If the following statements apply then an investment in the plan may not be appropriate: • You want a regular income and dividends • You may need immediate access to your money • You cannot commit to the full Investment Term • You want a known guaranteed rate of return • 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  |
