We simplify all those essential financial decisions
2013 STRUCTURED PRODUCT MATURITIES
To
provide
a
simple
guide
to
matured
products,
we
have
produced
the
following
table
showing a list of the plans we have recommended in the past and that matured in 2013.
Simply ‘hover’ over any of the plan titles to see a full description.
For quick reference each plan is colour coded to show -
•
matured with a gain & return of original invested capital
•
matured with no gain & no loss
•
matured with a capital loss
_______________________________________________________________________________________
Plan name
Plan type
Start date
Maturity date
Gain
Barclays 3 Year Super Tracker (Nov 09)
Growth
04 Jan 2010
04 Jan 2013
24.40%
Meteor FTSE 5 Plan
Kick-Out
20 Apr 2012
21 Jan 2013
13.50%
Aviva Investors Defined Growth Fund 3
Kick-Out
17 Feb 2012
13 Feb 2013
11.00%
Legal & General Early Bonus Plan 4
Kick-Out
15 Mar 2012
15 Mar 2013
11.00%
Meteor Twin Option Kick Out (Mar 08)
Kick-Out
08 May 2008
13 May 2013
65.00%
Barclays 5 Year Super Tracker (May 08)
Growth
14 May 2008
14 May 2013
37.80%
Barclays Defined Returns Plan (Apr 09)
Deposit
19 Jun 2009
19 Jun 2013
26.00%
Gilliat Annual Kickout (Jun 11)
Kick-Out
30 Jun 2011
01 Jul 2013
22.00%
Barclays Minimum Return Plan
Deposit
15 Jul 2007
15 Jul 2013
28.00%
Meteor Top Ten Plan 2
Kick-Out
06 Aug 2010
06 Aug 2013
57.00%
Legal & General Early Bonus Plan 7
Kick-Out
15 Aug 2012
15 Aug 2013
10.25%
Gilliat Deposit Kickout
Deposit
31 Aug 2011
02 Sep 2013
17.00%
Investec FTSE 100 Enhanced KO Plan
30
K
ick-Out
03 Sep 2012
03 Sep 2013
10.50%
Walker Crips Defensive Annual Growth Plan
Kick-Out
14 Sep 2012
16 Sep 2013
7.50%
Legal & General Early Bonus Plan 8
Kick-Out
03 Oct 2012
03 Oct 2013
10.00%
Investec FTSE 100 Enhanced KO Plan 31
K
ick-Out
15 Oct 2012
15 Oct 2013
11.00%
Walker Crips Defensive Dual Index Plan
Kick-Out
19 Oct 2012
21 Oct 2013
10.00%
Walker Crips Super Defensive Dual Index Plan
Kick-Out
19 Oct 2012
21 Oct 2013
8.00%
Legal & General Early Bonus Plan 9
Kick-Out
20 Nov 2012
20 Nov 2013
9.00%
__________________________________________________________________________________________
In
the
meantime,
if
you
require
any
further
assistance,
or
have
any
questions,
please
do
not
hesitate
t
o
contact us
.
Overview
A return of 8% p.a. was payable for each year of investment. The product would
kick out on the 1st anniversary that both the FTSE 100 & S&P 500 were at or
above a reducing level referenced to the start of the plan. This defensive feature
reduced the reference level of the indexes by 10% each year from the 2nd
anniversary.
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Santander UK plc
Capital at Risk barrier
End of term only
Result
This plan kicked out on its 1st anniversary, returning investors
capital plus a return of 8%.
Overview
A return of 10% p.a. was payable for each year of investment. The product
would kick out on the 1st anniversary that both the FTSE 100 & S&P 500 were
at or above their respective opening levels. A defensive feature on the 6th
anniversary meant that the plan would pay the full 60% provided both plans
were at or above just 50% of their respective opening levels.
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Santander UK plc
Capital at Risk barrier
Strike Date
End of term only
19 Oct 2012
Strike Price
FTSE100 5,896.15 - S&P 500 1,433.19
Result
This plan kicked out on its 1st anniversary, returning investors
capital plus a return of 10%.
Overview
11% gain for each year held, payable on any of the first four anniversaries,
provided the FTSE 100, subject to five day averaging, is higher; or if the plan
fails to mature early, 120% of any rise in the FTSE 100, subject to averaging
over the final six months.
5 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Collateralised with 5 UK Financial Institutions
Capital at Risk barrier
Strike Date
50% Full Term Daily Close
15 Oct 2012
Strike Price
5,805.61
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan kicked out on its 1st anniversary, returning investors
capital plus a return of 11%.
Overview
7.5% gain for each year held, payable on any anniversary, provided the FTSE
100 Index closed at or above the initial level. If the plan did not mature early,
the full 45% gain would have been payable if the index closed at or above
3,000 points on the final index date
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Santander UK plc
Capital at Risk barrier
Strike Date
End of term only
14 Sep 2012
Strike Price
5,915.55
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan kicked out on its 1st anniversary, returning investors
capital plus a return of 7.5%.
Overview
10.5% gain for each year held, payable on any of the first four anniversaries,
provided the FTSE 100, subject to five day averaging, is higher; or if the plan
fails to mature early, 120% of any rise in the FTSE 100, subject to averaging
over the final six months.
5 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Collateralised with 5 UK Financial Institutions
Capital at Risk barrier
Strike Date
50% Full Term Daily Close
03 Sep 2012
Strike Price
5,758.41
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan kicked out on its 1st anniversary, returning investors
capital plus a return of 10.5%.
Overview
A 5 year capital protected kick-out plan linked to the performance of 5 UK
companies listed on the FTSE 100 Index. If on any of the annual measurement
dates all of the 5 shares were at or above 85% of their strike price, the Plan
would kick out & make a growth payment of 8.5% (not compounded) of the
investment for each year the Plan had been in force.
5 years maximum
Term
Tax status
Any gains subject to Income Tax
Counterparty
RBS
Capital at Risk barrier
Strike Date
not applicable
31 Aug 2011
Strike Price
various
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan kicked out on its 2nd anniversary, returning investors
capital plus a return of 17%.
Overview
Plan return was referenced against the performance of 10 of the top shares in
the FTSE 100 index. A 19% gross interest was paid for each year of
investment. The product would Kick-Out if on one of the product
anniversaries, 8 or more of the 10 shares were at or above their initial level at
the start of the plan
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
BNP Paribas
Capital at Risk barrier
Strike Date
50% European on the worst performing stock
06 Aug 2010
Strike Price
Various
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan matured on its 3rd anniversary with 9 of the 10 stocks
above their initial level
Overview
This plan provided a minimum return of 28% over the period, or 50% of the
return in the FTSE - whichever was greater
6 years
Term
Tax status
Any gains subject to Income Tax
Counterparty
Barclays Bank plc
Capital at Risk barrier
Strike Date
Not Applicable (Structured Deposit)
13 Jul 2007
Strike Price
6,716.70
Possible early maturity dates
None
Result
This
plan
ran
to
maturity,
however
the
FTSE
100
never
reached
its
level
at
the
start
of
the
plan,
therefore
this
plan
paid
out
the
guaranteed minimum payment of 28%, plus return of capital
Overview
A
return
of
11%
per
annum
was
payable
for
each
year
of
investment.
The
product
would
kick
out
on
the
1st
plan
anniversary
that
both
the
FTSE
100
&
S&P 500 were at, or above, their respective levels at the start of the plan
6 years maximum
Term
Tax status
Any gains subject to Income Tax
Counterparty
Royal Bank of Scotland
Capital at Risk barrier
Strike Date
50% American barrier on the worse performing index
30 Jun 2011
Strike Price
5,945.71( FTSE 100) & 1320.64 (S&P 500)
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan matured on its 2nd anniversary providing a 22% return
Overview
A fixed 26% return on capital invested, provided the FTSE 100 ended at or
above its starting level
4 years
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Barclays Bank plc
Capital at Risk barrier
Strike Date
Not Applicable (Structured Deposit)
19 Jun 2009
Strike Price
4345.90
Possible early maturity dates
None
Result
This plan matured on its 4th anniversary providing a 26% return
Overview
A defined return of 5 times the return of the FTSE 100 over the investment
period, subject to a maximum of 75%
5 years
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Barclays Bank plc
Capital at Risk barrier
Strike Date
50% American barrier
14 May 2008
Strike Price
6,216.00
Possible early maturity dates
None
Result
This
plan
matured
with
the
FTSE
100
7.56%
higher
than
when
it
started.
However,
due
to
the
gearing
on
this
plan,
clients
received
a
37.8% return on capital
Overview
A return of 13% per annum was payable for each year of investment. The
product would kick out on the 1st plan anniversary that the FTSE 100 was at
or above its level at the start of the plan.
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
AA- Rated consortium
Capital at Risk barrier
Strike Date
50% American barrier
08 May 2008
Strike Price
6,270.80
Possible early maturity dates
Annually from the 1st anniversary
Result
This
product
matured
on
its
5th
anniversary
providing
a
65%
return,
against a rise in the FTSE 100 of just 5.74% over the same period.
Overview
Potential
for
an
11%
gain
for
each
year
held,
payable
provided
the
FTSE
100
Index
(subject
to
10
day
averaging)
closed
at
a
level
equal
to
or
above
its
initial level on any anniversary.
6 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Abbey National Treasury Services plc, Barclays Bank plc, HSBC Bank plc, Morgan
Stanley & Co International plc, The Royal Bank of Scotland plc & UBS.
Capital at Risk barrier
Strike Date
Full Term Daily Close
17 Feb 2012
Strike Price
5,905.10
Possible early maturity dates
Annually from the 1st anniversary
Result
This plan matured on its 1st anniversary
Overview
Plan return was referenced against the performance of 5 of the top shares in
the FTSE 100 Index. A 4.5% gain was accrued for each quarter the plan was
invested (18% p.a). The product would kick-out if on one of the products
quarterly anniversaries all of the stocks were at or higher than 85% of their
initial level at the start of the plan.
5 years maximum
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Royal Bank of Scotland
Capital at Risk barrier
Strike Date
50% European Barrier on the worst performing stock
20 Apr 2012
Strike Price
Various
Possible early maturity dates
Quarterly from the 21st January 2013
Result
This plan matured on its very first assessment date, just 9 months after
the start date. Clients received a return of 13.5% over this period.
Overview
A defined return of 3 times the growth in the FTSE 100, subject to a maximum
return of 30%
3 years
Term
Tax status
Any gains subject to Capital Gains Tax
Counterparty
Barclays Bank plc
Capital at Risk barrier
Strike Date
50% American barrier
4 Jan 2010
Strike Price
5,500.30
Possible early maturity dates
None
Result
This
plan
matured
with
the
FTSE
100
8.13%
higher
than
when
it
started.
However,
due
to
the
gearing
on
this
plan,
clients
received
a
24.4% return on capital.
