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Scottish Widows unveils five year plan

The Scottish Widows guaranteed investment bond is a five-year FTSE 100-linked guaranteed equity bond.

Investors in the product will receive a full capital return regardless of the performance of the index plus 75 per cent of the growth in the index at the end of the term.
An early investment bonus of between 0.1 per cent and 0.5 per cent of the amount invested will be applied, depending on how many days the money is invested before July 21, 2005.

According to the product database on the StructuredRetail Products website, Woolwich Plan Managers and Bristol & West currently have five-year guaranteed equity bonds linked to the FTSE 100 index.
Option one of the Woolwich Plan Managers capital growth plan issue eight provides a better comparison for the Scottish Widows product than option two, which has an early maturity feature. Option one offers a full capital return regardless of index performance plus 120 per cent of the growth in the index, which is a higher
participation rate than that of the Scottish Widows bond.

Bristol & Wests guaranteed 5-Year FTSE Bond issue 17 also offers a full capital return regardless of index performance, plus 120 per cent of the growth in the FTSE 100 index after five years. But Bristol & West offers an optional extra the ability to lock in 50 per cent growth achieved by the index at any point, except during the first and final years of investment.

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