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Morgan Stanley IQ – FTSE Gilt Backed Growth Plan 12 – Collateralised

Morgan Stanley IQ – FTSE Gilt Backed Growth Plan 12 – Collateralised

Type: Capital-protected bond

Aim: Growth linked to the performance of the FTSE 100 index

Minimum-maximum investment: £3,000-no maximum, Isa £11, 280

Term: Six years

Return: 14.5% growth plus capital at the end of year two, 21.75% growth plus capital at the end of year three, 29% growth plus capital at the end of year four, 36.25% growth plus capital at the end of year five or 43.5% growth plus capital at the end of year six

Protection: Original capital returned in full at the end of the term provided the index does not fall by 50% or more without returning to at least its initial value by the final day of the term

Closing date: July 26, 2012, July 19, 2012 for Isa transfers

Commission: Initial 3%

Tel: 020 7425 9000


Panel wants utilities to pay

The Financial Services Practitioner Panel says utility providers should contribute to the Money Advice Service’s budget. During an evidence session at the Treasury select sub-committee’s inquiry into the MAS last week, panel chair Joe Garner said rising utility prices are likely to have an impact on people’s finances in the short-term and energy firms could […]

Labour calls for Mark Hoban apology over new FPC objective

Labour have called on Treasury financial secretary Mark Hoban to apologise for refusing to back one of its amendments to the Financial Services Bill which George Osborne then announced as a policy at last week’s Mansion House speech. The Financial Policy Committee will sit in the Bank of England alongside the Monetary Policy Committee and […]


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