Structured Deposit Plans

Is there an alternative to low cash savings rates?

Are you holding a Cash Isa, Cash Deposit or Term Deposit but unhappy with your current returns? Whether looking for a fixed income or a predictable level of interest we may have the answer – Structured Deposit Plans.

So how do they work?

Structured Deposit plans are designed to provide a full return of capital at maturity irrespective of the performance of any underlying measure. They are term deposits (like a fixed rate bond) with a variable return linked to the performance of an underlying asset (like the UK stockmarket). They can be held within a variety of wrappers such as a Cash ISA.

We have a choice of deposit plans offering fixed income (for example 2.64% per annum for 6 years) and growth rates (for example 10.5% over 3 years).

All these Deposit Plans are covered by the Financial Services Compensation Scheme.

If you have cash not set aside for emergencies or other short term spending needs, then contact us for more details or to speak to one of our Independent Financial Advisers.

You can email us at or just give us a call on 01733 314553.

We recommend that you take advice before making any investments. Savers should think carefully about the features and risks of these plans and whether it suits their personal circumstances and attitude to risk before deciding whether to invest. If requested, we will provide advice for you having considered your needs, goals, and circumstances.