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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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Yes,
I am happy to invest because:
• I want to know the money that I invest will be repaid at
maturity
• I want the opportunity to receive a return that might be
greater than that provided by an ordinary deposit account at
the end of the 5 year investment term
• I am unlikely to need access to my money before the end of
the 5 year investment term
• I want the possibility of a return of twice the growth in
the FTSE 100 over the term and accept that my return will be
subject to a maximum return
• It suits me that this Plan should be 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 plan probably isn’t right for me
because:
• I may need access to some of my money before maturity,
especially in case of unexpected emergencies and I cannot
risk getting back less than I invested if I sell early
• 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
• I am not prepared to take the risk that Barclays Bank PLC
could default on meeting its obligations
• I don’t accept the limit placed on the possible return
• I don’t want to give up the dividends I might receive if I
invested in shares or similar investments
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Things to consider
• The Plan is
designed for investors who can invest an amount for five
years and leave their capital invested during that time.
You can sell the investment before the end of the term
but you may not get back the amount you invested.
• Barclays use
averaging to calculate the Final Index Level. While this averaging can reduce the potential
for investment gain when the FTSE 100 Index rises during
the averaging period, it can also lessen the effects of
falls in the Index during this period. (see page 7 of
the brochure for further information)
• If the Index
rises above the level at which the maximum return would
be payable, you will not receive any additional return.
• 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 term. No income or other benefit
is paid before then.
• Remember, that
the Initial Index Level of the Plan is the closing level
of the Index on 28 October 2009 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. |
