Our capital guaranteed range of investments is provided by Santander ISA Managers Limited and guarantees to return at least your capital as well as a minimum return at maturity. This means that whatever happens to the markets, you can rest assured that your capital will be safe. What's more you have the potential to earn even more from your money depending on how your chosen investment performs. All you have to do is be confident that you can leave your money untouched for the full term.
Why choose a capital guaranteed product?
Your Options
What will I get back?
Things you need to know before investing
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Why choose a capital guaranteed product?
Peace of mind – you are guaranteed to get back your original investment plus at least a minimum return at maturity
Confidence – benefit from our expertise, we were voted best Structured Products provider for three consecutive years (2007; 2008 & 2009; Investment Life & Pensions Moneyfacts awards)
Tax efficient – Our 5 ½ and 6 year plans allow you to invest in a stocks and shares ISA or a Direct Share which means that for the majority of people returns may be tax free
Potential – you could earn more than the minimum return if the Index performs well.
Your Options
The following plans are available on a limited offer basis up until 5 September 2010 and could be withdrawn earlier without prior notice if sold out. All product options require a minimum investment of £1,500. For further information or for details on any latest offers please contact your local branch:
Guaranteed Growth Plan (Issue 35)
A guarantee that at the end of 6 years you'll get back your original investment, with a minimum return of 10%, with the potential to earn 50% of Index growth with no cap. There are two options with either the FTSE 100 Index option (the Stockmarket Option where the return is linked to the performance of the FTSE 100 Index) or the Halifax House Price Index option (the Property Option where the return on your plan is linked to the performance of the Halifax House Price Index (House Price Index)).
Guaranteed Capital Plus (Issue 23) Your money back with a fixed return of 15% at the end of 3¾ years or 27% at the end of 5½ years, provided the FTSE 100 Index has stayed the same or risen by any amount at maturity and you leave your money untouched.
Guaranteed Return Plan (Issue 4)
A 5 ½ year investment where you could receive your money back plus 27% of your original investment in the event that the FTSE100 Index has not fallen below 80% of its starting level at any time during the observation period (over the last 4 ½ years of the investment term) or 5% of your original investment if it does.
Guaranteed
Growth Plan
(Issue 35)
Guaranteed
Capital Plus
(Issue 23)
Guaranteed
Return Plan
(Issue 4)
Stockmarket Option
Property Option
Linked to FTSE 100 Index
Linked to FTSE 100 Index
Linked to FTSE 100 Index
Fixed Term (years)
6
6
5½
3¾
5½
Capital guaranteed
Yes
Yes
Yes
Yes
Yes
Guaranteed minimum return*
10%
10%
0.5%
0.25%
5%
Maximum return*
50% of the
growth in the FTSE 100 Index with no cap1
50% of the growth in the
Halifax
House Price
Index with no cap2
27%1
15%1
27%3
Available as a Stocks
and Shares ISA
Yes
Yes
Yes
No
Yes
Available outside of an ISA (as a Direct
Share Investment)
Yes
Yes
Yes
Yes
Yes
Use your Capital Gains Tax allowance to offset any gains where you can (Direct Share Investment)
Yes
Yes
Yes
Yes
Yes
*If held for the full term.
1 Subject to daily averaging over the last six months of investment term.
2 Subject to monthly averaging over the last 7 months of the investment term
3 Providing the FTSE 100 Index does not fall below 80% of its initial starting level during the Observation Period.
What will I get back?
To get a view of what your return could be at maturity please click here.
Things you need to know before investing
These products are considered as being very low risk investments but like most investment products they are not completely risk-free. Here is some additional information you need to know before making a decision.
Your money will be used to buy shares in a protected cell of the Investment Company. The value of these shares can go up and down during the term of the Plan.
Your original capital and the minimum return are guaranteed only at maturity. Any return above this is not guaranteed. If you close your Plan early you may get back less than you paid in.
The guarantee that you will receive the money you invested and the minimum return at maturity is provided by Santander Guarantee Company, a wholly owned direct subsidiary of Santander UK plc. Investors in the plan are exposed to Santander Guarantee Company’s ability to pay which is dependent on Santander UK plc and its subsidiaries continuing to be able to meet their financial obligations.
The Investment Company will enter into financial transactions with Abbey National Treasury Services plc which are designed to generate the returns under the Plan. These financial transactions will not be secured.
In relation to the two points listed immediately above, in the unlikely event that Santander UK plc was to collapse, you may lose some or all of your money.
Any tax benefits associated with your investment may change in the future, which could affect how much you get back. The value of any tax relief depends on your personal circumstances. The guarantee will not cover any shortfall in the event that the returns are reduced because of tax changes.
Santander Guarantee Company will not make a payment under the guarantee to the extent that it would be in breach of any law by making that payment.
Although, your capital and minimum return are guaranteed at maturity, this does not protect you from inflation. Therefore, the real value of your money could reduce during the term of the investment.
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Limited Offer: Capital Guaranteed Investments