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Is this product
right for you? |
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I am interested in this
investment because:
• I want to know the money that I invest will be
repaid at maturity
• I want the opportunity to receive a return at the end of
the term that might be higher than that provided by a
deposit account
• I am unlikely to need access to my money over the next
five years
• I appreciate the need to diversify my investment portfolio
and am comfortable with an investment linked to the values
of foreign shares
• It suits me that the Emerging Markets Optimiser Plan is
taxed as Capital Gain rather than income and I want the
option of potentially using my Capital Gains Tax annual
exemption |
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No ,
this investment may not suit me because:
• I may need access to some of my money
before maturity, especially in the case of unexpected
emergencies and I cannot risk getting back less than I
invested if I sell early
• I do not want to risk investing into geographic areas I
know little about
• I am not prepared to take the risk that Barclays Bank PLC
could default on meeting its obligations
• I don’t want to risk earning no return on my investment or
less than I could have earned in the same period in a
deposit account
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Things to consider
•
The Plan is designed for investors who can leave their
capital invested for the term. You can sell the investment before the
end of the term but you may not get back the amount you
invested.
•
Shares, and investment returns linked to them, involve
greater short-term risk than cash deposits. Whilst it is
worth bearing in mind that, over the long term, shares
have historically performed better than deposits, you
also need to appreciate that the past performance of
investments is not a guide to their future performance.
•
Barclay's use averaging to calculate the Final Index Level.
While this can reduce the potential for investment gain
when the Index rises during the averaging period, it can
also lessen the effects of falls in the Index during
this period (see page 11 of the plan brochure).
•
Repayment of your capital and payment of any return will
depend on the ability of Barclays Bank PLC to meet its
obligations. Barclays Bank PLC is rated ‘AA-’ by
Standard and Poor’s and ‘Aa3’ by Moody’s.
•
The Plan is not a deposit account. All the Plan’s
benefits are paid at the end of the investment period.
No income or other benefit is paid before then.
•
Remember that the starting level of the Plan is the
closing level of the Index on 11 January 2010 and not
the level of the Index when your application form is
received. Please be aware that the Index level may vary
between these two dates.
Please refer to the Brochure and the Terms & Conditions for full
details. |
