Guaranteed Capital Plus
Potential stock market growth, with added safety
Potential stock market growth, with added safety
With Guaranteed Capital Plus, provided by Santander ISA Managers Limited, you'll benefit from a great fixed return if the FTSE 100 Index has stayed the same or grown by any amount at maturity, even 1 point. And, just like our Guaranteed Growth Plan, you’re assured a minimum return at the end of the term if the Index has gone down; provided you leave your money untouched for the full term.
Why choose Guaranteed Capital Plus?
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Peace of mind – you are guaranteed to get back your original investment, plus a minimum return, at maturity
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Potential – you could earn the maximum return if the FTSE 100 Index has stayed the same or gone up by any amount, even 1 point, at maturity
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Confidence – benefit from our expertise, we were voted best Structured Products provider for three consecutive years (2007; 2008 & 2009; Investment Life & Pensions Moneyfacts awards)
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Tax efficient – it’s available as an ISA or a Direct Share Investment, which means that for the majority of people returns may be tax free
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Choice of terms – available as either a three and three quarters (33/4) or a five and a half (51/2) year investment.
You must have at least £1,500 to invest.
Your Guaranteed Capital Plus options
We offer two options, which are available until 3 March 2010 or earlier if sold out:
|
Guaranteed Capital Plus (Issue 19) |
Three and three quarter (3¾) year term |
Five and a half (5½) year term |
|
Capital guaranteed |
Yes |
Yes |
|
Guaranteed minimum return* |
0.25% |
0.5% |
|
Maximum return* |
14%¹ |
28%¹ |
|
Available as a Stocks and Shares ISA |
No |
Yes |
|
Available outside of an ISA (as a Direct Share Investment) |
Yes |
Yes |
|
Use your Capital Gains Tax allowance to offset any gains where you can (Direct Share Investment) |
Yes |
Yes |
*If held for the full term.
¹Subject to daily averaging over the last six months of investment term.
Your final return at maturity will be either the maximum return, or the guaranteed minimum return, depending on the FTSE 100 Index performance.
What will I get back at the end of 33/4 years?
The table illustrates what you might get back at maturity, based on an initial investment of £10,000 at the end of 33/4 years.
|
Your initial capital |
Index start level 2 |
Index final level 2 |
Percentage return |
Your return (including capital) |
|
£10,000 |
5,000 |
5,500 |
14% |
£11,400 |
|
£10,000 |
5,000 |
5,000 |
14% |
£11,400 |
|
£10,000 |
5,000 |
4,500 |
0.25% |
£10,025 |
2 FTSE 100 Index level in points. If the FTSE 100 Index has gone down at maturity (after the averaging period), you still get 0.25% return on top of your original investment.
The actual amount will depend on how the stock market performs and on the amount invested. Please remember there is no guarantee that the FTSE 100 Index will rise or behave the way it has done in the past.
What will I get back at the end of 5½ years?
The table illustrates what you might get back at maturity, based on an initial investment of £10,000 at the end of 5½ years.
|
Your initial capital |
Index start level 3 |
Index final level 3 |
Percentage return |
Your return (including capital) |
|
£10,000 |
5,000 |
5,500 |
28% |
£12,800 |
|
£10,000 |
5,000 |
5,000 |
28% |
£12,800 |
|
£10,000 |
5,000 |
4,500 |
0.5% |
£10,050 |
3 FTSE 100 Index level in points. If the FTSE 100 Index has gone down at maturity (after the averaging period), you still get 0.5% return on top of your original investment.
The actual amount will depend on how the stock market performs and on the amount invested. Please remember there is no guarantee that the FTSE 100 Index will rise or behave the way it has done in the past.
Other information
Risk factors
- 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 risk factors listed immediately above, in the unlikely event that Santander UK plc were 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
Further details can be found in the Key Features Document located on the apply now pages.