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Is this product
right for you? |
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To help you
decide if the Plan is right for you, here is a summary of key points
you should think about. Before investing, please consider not only
the benefits but also all of the risks associated with buying such a
product and the commitment you are making.
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This product
may be suitable if:
You will not need access to your capital for 3.5 or 5
years (depending on the option you choose).
You
do not need an income from your capital.
You
want the security of knowing your capital is fully protected
if you hold the Plan through to the Investment End Date.
You
have a minimum of £3,600 to invest.
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This product
may not be suitable if:
You do not have readily accessible spare cash for
emergencies.
You need an income from your capital.
You may need access to your capital before the Investment
End Date in 3.5 or 5 years time (depending on the option
you choose).
You want to add to your investment from time to time or at
regular intervals.
You want the certainty of a known guaranteed return.
You do not want your returns linked to stock market
performance.
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Things to consider
Your capital will be returned in full, provided you hold
your investment until the Investment End Date. However,
inflation could reduce the value of what you get back.
You should only invest in this Plan if you do not need
access to your money for your chosen Investment Term of
3.5 or 5 years. Early encashment may result in loss of
capital.
The Plan is not the same as a deposit account. A deposit
account is considered a safe way to invest and normally
allows you ready access to your money. It does not give
you the opportunity for capital growth as it only pays
interest at prevailing rates, which can go up or down.
So, in an environment of falling interest rates, returns
from cash deposits could be low. The Enhanced Emerging
Markets Plan ensures that, providing you hold the Plan
through to the Investment End Date, you will receive
your original capital back. It also gives you the
potential to benefit from returns linked to growth in
the S&P BRIC 40 Index; however your total return could
be lower than you would have received in a deposit
account.
The returns from the Plan (above the return of your
initial investment) are dependent on the performance of
the S&P BRIC 40 Index. The Plan is subject to maximum
growth potential and does not invest directly in the
shares of the companies in the Index and does not
receive dividends from those companies; therefore the
returns could be lower than if you invested directly in
the shares of companies which comprise the S&P BRIC 40
Index.
Returns from the Plan are capped. You will not receive
any growth above the capped level even if the S&P BRIC
40 Index rises by more than that amount.
The securities underlying this investment have a fixed
Investment End Date and have been specifically
structured to match the Investment Objectives of your
Plan. These securities have a credit rating of Fitch AA-
/ S&P A+ at the time of publication. There is a risk
that the Hedge Provider may fail to meet its
obligations, or withhold, defer, reduce or even
terminate payments, as a result of which you may receive
less than you would otherwise or may have to wait for
the proceeds.
If you transfer an existing ISA, then your existing ISA
Manager may make an exit charge. It may take a few days
for the funds to be transferred and during that time
your money will be out of the market. You could miss out
on any growth in your investment during that time.
Please refer to the Brochure and the Terms & Conditions for full
details. |
