Plan Summary

The Minimum Return Plan is a six-year investment designed for those clients who want a fixed return and to have the opportunity to earn an additional return to double the overall return.

In addition, the Plan offers investors the assurance that their initial investment will be repaid at the end of the term.

If you sell before the end of the term, you may get back less than you  invested.

• Provides a fixed minimum return of 23% at maturity

• Potential additional bonus return of 23%*

• Full return of capital when the Plan matures

• Tax-efficient ISA options for 2008/09 including ISA and/or PEP transfers

• Use your remaining capital gains tax allowance for further tax-free returns on capital invested outside of an ISA

• Eligible for pension portfolio investment within a SIPP or SSAS

• Suitable for Corporate and Trustee investment


Investment Options Summary

• Outside an ISA, direct investment (minimum £3,600 up to £500,000). This is available for both individual and joint applications.

• Stocks and Shares ISA investment (minimum of £3,600 up to £7,200). This is only available on an individual basis.

• ISA transfers (minimum £3,600 up to £500,000). If you have investments already held within ISAs, you can apply to your existing ISA manager to have the proceeds of these transferred (either in full or in part) into the selected plan without losing the tax efficient status of your ISA.

• Self Invested Personal Pensions (SIPP) and Small Self Administered Scheme (SSAS) pension arrangements (minimum £3,600 up to £500,000). However you should seek advice as to whether the specific terms of your arrangement permit investments of this type.