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Standard Bank Offshore – Quantum Plus 4

Standard Bank Offshore – Quantum Plus 4

Type: Combination of savings account and offshore capital-protected bond

Aim: Income and growth by splitting the investment equally between a one-year fixed-rate savings account and a capital-protected bond


Term: One year

Interest rate: 5% for sterling, US dollar and euro investments, 12% for Australian dollar investments


Aim: Growth linked to the performance of the FTSE 100 index for sterling investments, the S&P 500 for US dollar investments, the Eurostoxx 50 index for euro investments and the S&P/ASX 200 index for Australian dollar investments

Minimum – maximum investment: £10,000, euro 15,000, $20,000-no maximum

Place of registration: Isle of Man or Jersey

Term: Five years

Return: 50% of the growth in the index at the end of the term

Protection: Original capital returned in full at the end of the term regardless of the performance of the index

Closing date: December 14, 2010

Commission: Initial up to 3%



Pada draws up default lines

The Personal Accounts Delivery Authority is honing its position on what investment options it should offer future members of personal accounts.

Diverse dangers

One of the big debates that has taken place over recent years concerns the desirability of adopting a diversified investment strategy. Popular wisdom has it that, by building a portfolio of diverse asset classes, investors would be protected against any setback in a particular area.


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