Premier Fund Managers has set up a structured plan offering 7 per cent growth a year even if the markets stays flat. Available from September 1, Premier limited edition no 11 is a six-year FTSE 100-based growth plan. However, it can mature early at the end of years one to five depending on the index performance, with 100 per cent redemption of capital plus 7 per cent of capital growth if the FTSE 100 index is at or above its start value on any of the plan's anniversary dates. If the plan reaches maturity and the final value is lower than the start value, the investor gets all their capital back as long as the index has not dropped by 50 per cent or more at any point during the plan's life. Commission is 3 per cent.