IDAD Capital Protected FTSE 100 Kick Out Plan

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Capital protected investment plan, potential 6% per year if the FTSE rises…

For anyone looking for ideas of how to earn more interest from your capital, without putting it at risk, this new plan could be a compelling option

Oliver Roylance-Smith

Head of Savings and Investments

If you are concerned about low savings rates, and the impact of inflation, this new capital protected kick out plan may be worth a closer look.

The Capital Protected FTSE 100 Kick Out Plan from IDAD offers 6% interest for each year (not compounded), provided the FTSE 100 Index at the end of each year from year 3 onwards, is at or above a required kick out level. The required kick out level reduces from 105% of the FTSE 100 initial level at year 3, to 100% in years 4, 5 or 6.

So that’s a potential 18% after 3 years, 24% after 4 years, or 30% after 5 years, or 36% in the final year.

Since the plan is also available as an ISA, and accepts ISA transfers, if you’re thinking what else is out there that could release greater potential from your cash, this could be a compelling option. The downside is that the return is not guaranteed, so you could receive only your initial capital back.

Important Information: Although this is a capital protected structured investment plan, it is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Plan Details

Potential Return: 6% for each year invested (not compounded), if the FTSE is above required kick out level

Potential to mature early (kick out) each year from year 3 onwards

Capital Protected Product

Not eligible for the Financial Services Compensation Scheme

Available for ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 6 Years

Arrangement fee applies

Minimum single investment: £10,000

Maximum ISA investment: £20,000

No Maximum for ISA transfers and non-ISA investments

Deadlines

This plan is now closed for applications. Please fill out your details below to register an interest for the next issue of the plan which will launch shortly

IDAD Capital Protected FTSE 100 Kick Out Plan October 2022

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Regular contributions	E.g. £100 a month investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £3 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund). The trail commission is included within the standard charging structure of the investment.
Structured products	Not applicable as regular contributions are not permitted
Venture Capital Trusts (VCTs)	Not applicable as regular contributions are not permitted
Savings Accounts	Accounts pay either initial commission (up to 1.2%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £1.20 initial commission, or £4.80 trail commission in year two and so on (actual amount will vary in line with the value of your savings account).

Lump sum investment	E.g. £30,000 investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £90 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund) The trail commission is included within the standard charging structure of the investment.
Structured products	Initial commission of up to 3%, so Fair Investment Company will receive £900. This commission will be paid directly to us by the product provider and is taken into account within the standard charging structure of the product. Where no commission is paid by the product provider our introductory fee will be taken as an initial charge from your investment. This introductory fee will be no more than 3% of the amount invested. No annual trail commission will be payable.
Venture Capital Trusts (VCTs)	Initial commission of up to 2.5% plus up to 0.5% of your current fund value or initial investment each year, so up to £750 initial commission plus £150 trail commission in year two and so on (the actual amount in later years may vary in line with the value of the your investment). Please refer to the individual securities note for how the initial commission is paid. Unless we tell you otherwise, the trail commission is paid to us directly by the investment manager and is included within the standard charging structure of the investment.
Savings Accounts	Accounts pay either initial commission (up to 0.3%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £90 initial commission or £120 trail commission in year 2 and so on (actual amount will vary in line with the value of your savings account).