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You can no longer apply for standalone structured products through CompareStructuredProducts.com or Lowes Financial Management. The site will remain as an educational resource, allowing investors to access product brochures.
However, we offer two alternate investment vehicles within the structured investment sector which allow investors to maintain exposure within their portfolios. To learn more, please contact us at 0191 281 8811 or email Contact@CompareStructuredProducts.com.
The information given in this product review has been taken from the product terms and conditions, brochure, and other literature available from the product provider. No guarantee can be made to the accuracy of the information. You should therefore satisfy yourself as to the full terms and risks of any investment by reference to the relevant materials provided by the product provider. Please request these documents using the buttons on the left of the page.
Please note, this plan is available on an advised basis only, however this is not an investment that Lowes will recommend. This may be because we believe there is insufficient compensation for the risks, or because there are other plans available, which are, in our opinion a better alternative. Please contact us to arrange a consultation.
Overview:
Potential for an interest payment at maturity equal to 3 times the rise in the FTSE 100 Index over six years. The Deposit Taker has the right to terminate the deposit on any quarterly observation date from the first anniversary onwards when it will compensate with an interest payment of 2% per quarter it has been in force (8% annually).
Product Type:
Deposit Based
Investment Type:
Growth / Callable
Product Index Link:
FTSE 100 Index
Potential FSCS Protection:
Yes
Capital at Risk Barrier Type:
Not Applicable (Structured Deposit)
Maximum Term:
6 years 1 week
Barrier Level:
N/A
Downside:
N/A
Important Dates:
Closing Date *
ISA Transfers
Strike Date
Maturity Date
04/04/2025
21/03/2025
11/04/2025
22/04/2031
Closing Date *
04/04/2025
ISA Transfers
21/03/2025
Strike Date
11/04/2025
Maturity Date
22/04/2031
Possible Early Maturity Dates:
13/04/2026
13/07/2026
12/10/2026
11/01/2027
12/04/2027
12/07/2027
11/10/2027
11/01/2028
11/04/2028
11/07/2028
11/10/2028
11/01/2029
11/04/2029
11/07/2029
11/10/2029
11/01/2030
11/04/2030
11/07/2030
11/10/2030
13/01/2031
* The provider reserves the right to close the product/fund early.
Deposit Taker:
Goldman Sachs International
The credit ratings provided below can be a useful way to compare the credit risk associated with different Counterparties or Deposit Takers. Credit ratings are assigned by independent companies known as ratings agencies.
This maximum six-year and two-week product offers investors the potential for an interest payment at maturity equal to 3 times the rise in the FTSE 100 Index above its Initial Index Level or a potential 2% per quarter (8% annually) if the Issuer calls the investment early, observed quarterly, from year one onwards.
As a deposit, this plan is designed to return investors' capital in full at maturity, regardless of the movement in the Index during the investment term.
Contract Details
Initial Index Level:
The closing level of the Index on 11 April 2025.
Final Index Level:
The closing level of the Index on 15 April 2031.
Cash ISA
Equity ISA
Direct
ISA Transfer
SIPP **
Availability
Minimum Contribution*
£10,000
N/A
£10,000
£10,000
£10,000
*Note that minimum contributions exclude any applicable adviser charges
**The investment may also be available through third party SIPP Providers
Tax Treatment if held outside Tax Shelter:
The product literature states that under current legislation any interest payment will be paid gross and subject to UK income tax at the investor’s highest marginal rate, where held outside of a tax wrapper.
Please note, tax rules and legislation are subject to change at any time.
Capital At Risk Barrier (Subject To Counterparty Solvency)
Barrier Level: N/A.
Downside: N/A
Capital at Risk Barrier Type: Not Applicable (Structured Deposit)
Financial Services Compensation Scheme
The plan's literature states that, in the event that the underlying deposit taker defaults during the term of the contract, investments into the plan may be eligible for compensation as provided by the Financial Services Compensation Scheme (FSCS). The availability of such compensation is, however, dependent upon the investor's eligibility as defined under the terms of the FSCS, and certain investment limits will apply.
Please refer to page 10 of the product literature for full details of the FSCS status of this product.
Charges
Unless stated otherwise charges do not affect the amount being invested as they have been taken into account in the terms of the investment. So, for every £100 invested, the return, provided the investment is held until maturity, should be £100, plus or minus the gain or loss in accordance with the defined terms. Separate fees may be payable to your adviser, platform or stockbroker for arranging this investment.
The total charges incorporated in the terms of the investment: Approximately 4.00%.
Note that prior to 1 June 2024 this figure in our database was provider charge only
If surrendered early, the value will be dependent on a number of factors and may be less than the original amount invested.
In the event of early surrender the provider may levy an administration fee which will be deducted from the surrender proceeds as follows:
Early Surrender: £100 + VAT
Early ISA Transfer: £100 + VAT
Summary Table
Event
Outcome
Goldman Sachs International default
=
Return of any capital subject to insolvency proceedings - may be eligible for compensation via the FSCS
If not
If on any quarterly observation date from year one onwards Goldman Sachs International call the deposit early
=
Return of invested capital plus an interest payment of 2% per quarter (8% per annum) the plan has been in force
If not
If at the end of the term the FTSE 100 Index closes above its Initial Index Level
=
Return of deposited capital plus an interest payment equal to 300% of any growth in the Index.
If not
If at the end of the term the FTSE 100 Index is at or below the Initial Index Level
=
Return of deposited capital only
Our Fees
Please note this investment is available on an advice-only basis. This means that the product provider will only usually accept applications for this investment when they are the result of a personal recommendation from an Independent Financial Adviser.
We would very much welcome the opportunity to conduct a review of your financial circumstances and issue appropriate advice. We advise across a wide range of investments, taking a holistic view of clients' requirements, of which this type of investment is just one element.
Lowes is a registered firm of Independent Financial Advisers, established for over 50 years and our team includes some of the first individuals in the UK to be accredited as Chartered Financial Planners.
This information should not be construed as personal advice or a recommendation to invest.
If you are interested in discussing the suitability of this investment for you, you should contact us on 0191 281 8811 and we will be delighted to arrange for a Lowes Adviser to contact you to organise a free, no obligation consultation.
Risks
All investment involves risk and you could lose some or all of the money you invest.
It is imperative that you read the plan brochure and terms and conditions and understand all of the risks involved, which are outlined on page 12 and 13 of the brochure, prior to proceeding. If you do not fully understand the risks, the commitment or you are unsure as to the suitability of the investment for you, you should not proceed but instead contact us via E-mail or
Callback Request for advice.
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Please read the plan literature carefully, paying particular attention to all risk warnings, to satisfy yourself that the investment is right for you. Like most investments, this type of plan puts your capital at risk and could result in you losing some, or, in extreme circumstances, such as the counterparty becoming insolvent, all of the money you invest. Such plans are designed for advised investors but this investment may be suitable for you if you understand and accept the risks to capital involved and are investing as part of a balanced and diversified portfolio.
If you choose to invest without a personal recommendation, the investment will be processed on a "Direct Offer" basis i.e. no advice having been sought or given. As a Financial Adviser will not have conducted a review of your financial affairs, we will not be in a position to assess the suitability of the investment for you. As a consequence, we cannot be held responsible or liable if you proceed and you subsequently feel that the investment is not suitable.
Lowes will not charge an ongoing fee or receive any annual commission in respect of this investment. Where no advice has been sought or given, our fee for acting as intermediary for this investment is 1.65% of the amount invested, capped at £2,000. For example, on an investment of £25,000 our fee would be £412.50 and for an investment of £125,000 it would be £2,000.
We will use the information you have provided only to contact you in accordance to terms of this contact form and our privacy policy. We will not use your information for any other purposes as specified by this form unless legally necessary in the course of business. For more information view our Privacy Policy.
