This website is for
individual investors

investment plans

A Structured Investment Product is a legally binding contract between an investor and a bank. The investor lends money to the bank for the life of the product (typically five years). At the end of the product life, the investor receives the product return from the bank.

Our current Investment Plans are open for direct investments and ISA investments until 25 May 2012.

Credit rating changes

Please note that the credit ratings for some institutions may have changed and may be different to those in our brochures. Find out more.

 

Growth Plans

• FTSE 100 Enhanced Kick-Out Plan 28

An opportunity for you to receive an attractive return with the potential for early maturity.

Initial investment is at risk at maturity if the closing level of the FTSE 100 falls by more than 50% during the Plan. You will lose some or all of your money.

A second option of this Plan is available; the UK 5 option which, in addition to the above, is designed to reduce the potential loss to your investment in the event that Investec fails or becomes insolvent and to replace this with a risk spread across HSBC Bank plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc (the ‘UK 5’).

• FTSE 100 Geared Returns Plan 33

An opportunity for you to receive attractive returns after 5 years given any increase in the FTSE 100.

Initial investment is at risk at maturity if the closing level of the FTSE 100 falls by more than 50% during the Plan. You will lose some or all of your money.

A second option of this Plan is available; the UK 5 option which, in addition to the above, is designed to reduce the potential loss to your investment in the event that Investec fails or becomes insolvent and to replace this with a risk spread across HSBC Bank plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc (the 'UK 5').

• FTSE 100 Accelerated Growth Plan 33

An opportunity for you to receive accelerated UK stock market growth with no upper limit on maximum return. Initial Plan investment will be reduced by 1% for every 1% fall in the FTSE 100 at the end of the Plan. You could therefore lose some or all of your money.

Also available:

• FTSE 100 6 Year Kick-Out Plan 2

An opportunity for you to receive an attractive return with the potential for early maturity.

Initial investment is at risk at maturity if the Final Index Level of the FTSE 100 is below 50% of the starting level. You will lose some or all of your money.

A second option of this Plan is available; the UK 5 option which, in addition to the above, is designed to reduce the potential loss to your investment in the event that Investec fails or becomes insolvent and to replace this with a risk spread across HSBC Bank plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc (the ‘UK 5’).

The Plan offers two alternative investments: an ISA only version and a Non-ISA version.

 

Income Plan

• FTSE 100 Bonus Income Plan 23 - ISA
• FTSE 100 Bonus Income Plan 23 - Non-ISA

The aim of the Plan is to provide regular payments over 5 years (Annual version) or regular payments over 60 months (Monthly version) and to return at maturity an amount equal to 100% of the initial investment.

Initial investment is at risk at maturity if the closing level of the FTSE 100 falls by more than 50% during the Plan. You will lose some or all of your money.

A second option of this Plan is available; the UK 5 option which, in addition to the above, is designed to reduce the potential loss to your investment in the event that Investec fails or becomes insolvent and to replace this with a risk spread across HSBC Bank plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc (the 'UK 5').