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  • Oliver Roylance-Smith
  • Oliver Roylance-Smith
  • Head of Savings & Investments
  • December 2023

Fixed Income Plan

5.67% per year fixed, monthly payments, for full 4 year term…

  • Fixed monthly income: 0.4725% (equivalent to 5.67% annually)
  • Income paid monthly for full 4 year term of plan, regardless of the FTSE 100 performance
  • Capital at risk product - 65% barrier
  • Available for stocks and shares ISAs, ISA Transfers & direct investments. also available to businesses, charities, trusts & SIPP and SSAS pension schemes
  • Investment term - 4 years
  • Arrangement fee applies
  • Minimum investment - £5,000

“Are you getting 5.67% fixed from your capital? Getting such a high level of fixed interest is not easy, especially in today’s economic and investment climate, and so this monthly fixed income plan might be worth considering.

The plan pays 5.67% fixed interest per year (0.4725% paid each month), regardless of the performance of the FTSE 100 Index. The plan has a term of 4 years.

At the end of the plan, your original capital is returned in full unless the FTSE 100 Index has fallen by more than 35% from the opening Index level. If the Index has fallen by more than 35%, then your initial capital will be reduced by 1% for each 1% fall.

So if you think it’s unlikely the FTSE will fall more than 35% in four years’ time, and you require a competitive level of fixed monthly interest, this plan could offer a timely opportunity.”

Oliver Roylance-Smith, head of savings and investment

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Important Information: This is a structured investment plan which is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

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