Standard Bank structured product capitalises on stock market growth

Structured product from Standard bank offers capital protection and stock market growth


Quantum Plus 6 is designed to return an investor’s initial capital deposited along with a competitive rate of interest on half the capital, while the other half will provide exposure to stock market growth.

The product, which is open for subscription until 23 August, divides cash equally between a one-year fixed term deposit maturing on 7 September, 2012, (Quantum portion) and a five-year fixed term deposit maturing on 14 September, 2016, (the Plus portion), available in sterling, dollar, euro or Australian dollar. Minimum deposit amounts are £10,000, $20,000, €15,000 or A$20,000.

The Quantum portion pays a rate of 5% AER for sterling, dollar and euro or 12% AER for Australian dollar. This half of the deposit matures in full after one year.

The Plus portion provides for an unlimited potential return on the other half of your money after five years based on the performance of a stock market index and is subject to a minimum return of initial capital and a capital bonus of 5% (0.98% AER) at maturity. Sterling deposits are linked to the FTSE 100, dollar deposits are linked to the S&P 500, Euro deposits are linked to the EURO STOXX 50 and Australian dollar deposits are linked to the S&P/ASX 200.


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