Structured deposits
These products consist of a series of structured deposits, designed to meet the requirements of modern investors in a dynamic market environment.
The majority of these deposits are for a fixed term and have the security of capital protection at maturity, whilst providing the investor with the opportunity to potentially gain enhanced returns compared to market rates. This is achieved via exposure to selected financial markets. The return is determined by linking the performance of the investment to movements in an underlying market, such as foreign exchange, interest rate, equity and/or commodity markets, and no management fees are changed for this service.
Each structured deposit is as individual as a client’s particular investment requirements, and together we will construct a deposit which:
- Maximises and maintains the client’s investment objectives.
- Depicts the client’s attitude towards, and tolerance for, risk.
- Considers the client’s views and perceptions of the selected market.
Key advantages:
- The potential to benefit from changes in underlying markets such as foreign exchange, interest rate, equity and/or commodity markets.
- Peace of mind as a portion of the investment portfolio is allocated to a capital protected investment.
- An alternative investment that offers the potential to earn an enhanced rate of return.
- A compliment to and diversification of the client’s existing investment portfolio.
- The strength of Lloyds TSB’s Aa3 credit rating.
Points to consider:
- If the client wishes to unwind prior maturity it will be at market value, and they may not get back the full amount of capital invested.
- If the anticipated movement in the underlying market does not occur, the client must be aware that they may only receive the full amount of capital invested, but no additional return.
- Structured deposits linked to particular underlying markets (e.g. commodity, equity etc.) may only be available to Market Counterparties and Intermediates.