Investments
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Simple choices, easier online
Investing is simpler than you think and can offer higher rewards than a regular savings account, although the risks are higher too.
You can read our online brochure and then apply online with our secure service straight away, and you can start investing from just £3,600.
Our plans are fixed 5 and 6 year term investments. If you sell your plan before maturity you are likely to receive back less than you invested. -
Five-year Fixed Income Bond
Our Fixed Income Bond provides a fixed annual return or end of term return. Take full advantage of your tax-free ISA allowance by investing up to £7,200/£10,200.
If you keep your money invested for the full term you can choose to benefit from:
- Fixed return of 4% gross return annually for five years OR
- Fixed return of 22.25% gross at the end of the five years
Either way, you'll get full repayment of your capital on maturity. - Fixed return of 4% gross return annually for five years OR
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Six-Year Defined Returns Plan
Invest for longer and get a higher potential 48% return after six years if the FTSE-100 Index performs well. If at maturity the Index is above its starting level you will get:
- 24% return plus an additional 24% (48% total) if the final level of the Index is at least 24% higher than at the start after 6 years
- If the Index is below its starting level at maturity you will get your original capital repaid, but with no additional return
- Full repayment of your capital on maturity
- ISA-ready for tax-free savings
- Start investing from just £3,600
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Five-Year Defined Returns Plan
Invest for a shorter term and still get a higher potential 34% return after five years if the FTSE-100 Index performs well. If at maturity the Index is above its starting level you will get:
- 14% return plus an additional 20% (35% total) if the final level of the Index is at least 20% higher than at the start after 5 years
- If the Index is below its starting level at maturity you will get your original capital repaid, but with no additional return
- ISA-ready for tax-free savings
- Full repayment of your capital on maturity
- Start investing from just £3,600
- Apply online with our secure service
What are the risks?
Our plans are fixed 5 and 6 year term investments. If you sell your plan before maturity you are likely to receive back less than you invested.
These products are securities issued by Barclays Bank PLC (‘the Bank’). Investing in these products is a loan to the Bank, which intends to repay the capital and to pay any return due at the maturity date. If the Bank is unable at maturity to repay the loan or pay a return, you will receive less than is due to you or nothing at all.
Other options to consider
Barclays Financial Planning - Barclays has a team of dedicated Financial Planning Managers who can help you make informed decisions about your financial future.
Barclays Stockbrokers - the UK's number one stockbroker offering one of the widest ranges of investment products on the market.
Need help with jargon?
Here are the five definitions that we think you'll find most helpful.
- Capital Gains Tax
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A tax levied on your investment gains in a tax year. Capital Gains Tax is payable at a rate equivalent to your highest rate of income tax on any gains above your annual CGT allowance from the sale, transfer or disposal of securities or other asset subject to this tax. Further information on CGT rates and your allowance are available at the Revenue & Customs website.
- Index Linked
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The value of an investment which is linked to a particular index, whether this be a particular stock market index or for example the rate of inflation (as used with Index Linked Gilts).
- Structured Products
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Investment plans designed to offer returns dependent on the performance of an indicator, usually an index such as the FTSE 100. These fall into two main categories, Structured Capital at Risk Products or Capital Protected Plans which aim to repay all the amount invested at the end of the plan term, regardless of the performance of the indicator. Barclays Defined Returns Plans are an example of a Capital Protected structured product.
- Base Rate
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An interest rate set by the Bank of England which reflects the cost of borrowing money from the money markets.
- Maturity
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End of the life of an investment plan at which point it is repaid.
Other terms you're not sure of? See our Investments Jargon Buster