Walker Crips UK Fixed Income Plan

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Popular Fixed Income Plan: 5.5% pa fixed for 5 years, regardless of the FTSE 100 performance…

Getting a high level of fixed interest is not easy, especially in today’s economic and investment climate, and so this quarterly fixed income plan might be worth considering

Oliver Roylance-Smith

Head of Savings and Investments

If you’re concerned about inflation, and you’re looking for a high level of fixed quarterly income, this plan from Walker Crips could be a good place to start.

The UK Fixed Income Plan pays a fixed income of 1.375% each quarter (equivalent to 5.5% each year) and has a fixed term of five years, so you know exactly how much you will be paid, when and for how long.

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

With similar term fixed rate bonds currently only offering around 4%, ask yourself – is a return of capital unless the FTSE falls by more than 35% a fair trade off for a 5.5% fixed income?

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.

Plan Details

Fixed quarterly income: 1.375% (equivalent to 5.5% annually)

Income paid quarterly for full 5 year term of plan, regardless of the FTSE 100 Index performance

Capital At Risk Product – 65% barrier

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

Investment term: 5 Years

Arrangement fee applies

Minimum single investment: £10,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments

Deadlines

ISA Transfer Applications: 20 December 2024
Direct & ISA Applications: 3 January 2025

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

Walker Crips UK Fixed Income Plan CT121

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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).