Our offer explained

Take a look at

• The Guaranteed Growth and Income Account
• The Guaranteed FTSE Defined Return Account

For more information or to apply for one of these Structured Deposits, please complete our form and we'll call you back

The Guaranteed Income and Growth Account – Issue 5

The Guaranteed Income & Growth Account (Issue 5) offers a combination of the two investment approaches; Income & Growth. This five-year account takes half the money subscribed and deposits it into a ‘Cash Deposit Account’ offering a particularly attractive interest with an enhanced fixed rate of 7% in the first year and competitive fixed interest of 5% for the remaining four years, paid out annually.

In addition, you have an annual opportunity to have the funds within the Cash Deposit Account returned to you or returned at maturity.

The other half of the subscribed money is deposited into an ‘Index Linked Account’ which links your returns to the performance of a diversified asset basket of indices and funds. The asset basket has exposure to developed and emerging market equities, bonds, commodities and cash.

• Developed Equity: Dow Jones Euro STOXX 50 Index (20%), FTSE 100 Index (20%), S&P 500 Index (20%)
• Emerging Equity: iShares MSCI Emerging Markets Index Fund (9%)
• Bonds: iShares FTSE UK Gilt All Stock (16%)
• Commodities: S&P GSCI Excess Return Index (10%)
• Cash: Barclays GBP Overnight Index (5%)

Depositors will receive 50% of the percentage rise (if any) in the level of the Asset Basket, from the start date to maturity. While there is a possibility here that you will not receive any return if the diversified asset basket declines over the next five years, you will still receive repayment of your initial capital within the Index Linked Account at maturity.

Key features:

• Available until 15 December 2008
• Available in sterling
• Minimum investment is £10,000
• No capital risk provided the deposit is held for the full term
• Returns paid gross
• No withdrawals permitted on the ‘Index Linked Account’ during the term
• Accounts are held offshore with Barclays Bank PLC in the Isle of Man

Download our Guaranteed Income and Growth Account Brochure

Download our Guaranteed Income and Growth Account Factsheet

The Guaranteed FTSE Defined Return Account – Issue 3

The Guaranteed FTSE Defined Return Account is a three-year deposit, available in sterling. The account will generate a fixed return of 24% provided FTSE 100 continuously trades above 70% of initial level.

If the Index has fallen below 70% of the Initial Index Level at any time during the Term, no return will be paid out but the depositor's initial capital is guaranteed to be repaid at maturity.

Key features:

• Available until 15 December 2008
• Available in sterling
• Minimum investment is £10,000
• No capital risk provided the deposit is held for the full term
• Returns paid gross
• No withdrawals permitted during the term
• Accounts are held offshore with Barclays Bank PLC in the Isle of Man
  
  

Download our Guaranteed FTSE Defined Return Account Brochure

Download our Guaranteed FTSE Defined Return Account Factsheet

How to apply

The availability of Structured Deposits varies so, to find out more, call us on
+44 (0)1624 684 316† or we can call you back


Please note – You should not invest in this product unless you can tie up your money for the specified term, which typically is for 3 or 5 years.

* Gross – the interest paid without the deduction of tax. Individuals should check their own tax situation as there may be a potential tax liability.

** AER – Annual Equivalent Rate illustrates what the interest rate would be if the interest was paid and compounded each year.

"FTSE®", "FT-SE®" and "Footsie®" are trade marks jointly owned by the London Stock Exchange PLC and The Financial Times Limited and are used by FTSE International Limited under licence.

† Lines are open 7am to 8pm weekdays and 8am to 5pm weekends and UK bank holidays local time. Call charges may vary. Please check with your local telecoms provider. Calls may be recorded for training and security purposes.

The products and services described on this page are provided by the following companies which are part of Barclays Wealth, Barclays Bank PLC in London and Barclays Private Clients International Limited in the Isle of Man, Jersey and Guernsey. For further Information on these companies and Barclays Wealth please read Important Information.

Products and services on this site may not be available in certain jurisdiction. In particular, these products and services are not being offered in Japan or the United States or to US residents. For full details of exclusions and disclaimers please see the Important Information before proceeding. Each Barclays Wealth company reserves the right to make a final determination on whether or not you are eligible for any particular product or service.