The potential for 9.3% in just 12 months…

“What will happen to the FTSE? – is it on the edge of a bull run, a gradual decline or will it continue to bubble along between 5,000 and 6,000 as it has done for the majority of the last couple of years? If you share any of these views then the UK Step-down Defensive Kick Out from the Royal Bank of Scotland may appeal.

This investment will provide 9.3% for each year the plan has been in place (not compounded) provided the FTSE is at a particular level at the end of each year – equivalent to 100% of the starting value at the end of year 1 and then reducing each year down to 15% below its starting value in the final year.

If the investment does not mature early or in the final year, your capital is at risk if the value of the FTSE has fallen below 50% of its starting value at any time during the term.

The strong credit rating and stable outlook attributed to RBS could make this an attractive option for those prepared to put their capital at risk in order to receive the potential for high returns even in a falling market.”

Oliver Roylance-Smith, head of savings and investments

Request a brochure for the RBS UK Step-down Defensive Kick Out

This is a structured investment plan that 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 FTSE 100 Index.

There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.

If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.