6-Year Defined Returns Plan
Our Defined Returns Plan provides the opportunity for a return on your investment of 45% at the end of the investment period.
This six year plan also has a lock-in feature which means if the FTSE 100 Index performs well over the first half of the term, that some gains can be locked-in regardless of what happens after that 3rd anniversary.
This offer is only available until 28 December 2009 and may be withdrawn early, please read the product brochure for more information.
Key features
- The Defined Returns Plan 6 year option offers a maximum return of 45% at the end of the period, dependent on the performance of the FTSE 100 Index.
- If on the 3rd anniversary the level of the FTSE 100 Index is equal to or higher than the initial level at the beginning of your investment, a return of 22.50% will be locked in and paid to you at maturity regardless of what happens to index after that.
- If on maturity the level of the FTSE 100 Index is equal to or higher than the initial level at the beginning of your investment, you will receive a return of 45%, which includes any 22.5% return awarded on the third anniversary. The maximum return payable on this investment is 45%.
- If on maturity the FTSE 100 Index level is lower than the initial level, you will receive only your capital back, with no additional return unless 22.5% return has been locked in at the third anniversary.
- ISA ready for tax free savings.
- Increased 2009/10 Stocks and Shares ISA allowance for over 50’s from 6 October 2009.
- You can choose to invest from £3,600 to £75,000.
- Full original capital returned at the end of the investment period.
| Amount invested |
Rise or fall in FTSE 100 Index |
What you could receive at maturity from the 6-Year plan |
| Where 'lock-in' feature activated |
Where 'lock-in' feature NOT activated |
| £10,000 |
+30% |
£14,500 |
£14,500 |
| £10,000 |
+10% |
£14,500 |
£14,500 |
| £10,000 |
No change |
£14,500 |
£14,500 |
| £10,000 |
-10% |
£12,250 |
£10,000 |
| £10,000 |
-30% |
£12,250 |
£10,000 |
What are the risks?
- This is a fixed 6 year term investment. You could sell your plan before maturity, but if you do you are likely to receive back less than you invested.
- This product is protected by the credit worthiness of Barclays. If Barclays fails to meets its obligations, you may get back less than you invested or nothing at all.
We have outlined some of the key considerations to help you decide whether the Defined Returns Plan meets your requirements.
I may be interested in this investment because:
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I want the opportunity for a greater return from my capital on maturity than is currently offered with savings products, but I appreciate that it could be lower, or even nil. |
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I am happy to keep my money invested for the time period of the investment |
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I want to make sure all my original capital is repaid at the end of the term, but realise that inflation may affect its purchasing power |
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I want to use my full 2009/10 ISA Stocks and Shares ISA allowance |
This investment may not suit me because:
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I need access to my original capital during the term of the plan. |
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I want to save on a regular basis and add to my investments from time to time |
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I want to re-invest my income |
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I want to keep my money in a deposit account rather than an investment |
Please read the Defined Returns Plan brochure† before investing.
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How to apply
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Please note that you must read the product brochure below before investing.
 Defined Returns Plan brochure†
If you are comfortable that this plan is appropriate for you, you can apply now using our secure online service:
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6-Year Defined Returns Plan