Investments

Important things to consider before investing

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Key Features

Please ensure that you consider the following before applying:

  • Funds are NOT invested in any Stock Market. Shares are not purchased and you will not receive any dividends. The FTSE® 100 (the Index) is used only to measure and calculate the return you may receive.

  • To maximise benefits your money must be invested for the full term. Closing the Plan after the 14 day cooling off period (including in the event of death) will result in payment to you of an Early Termination Amount, which is your Initial Investment less an Early Exit Fee (including transfer charges if applicable). You will get back less than you initially invested.

  • The level of the Index may go down as well as up and there is no assurance as to the future performance of the Index. You should consider whether an investment based on the performance of the Index is suitable for you.

  • Restricting exposure to the Index to a maximum gain or fall of 2.5% in any one quarterly period (to be measured on the last day of the quarterly period meaning large movements of the Index on that day may impact the gain or fall) will limit potential gains or falls in that period.

  • A 14 day cooling off period applies without charge - only the original amount invested will be returned to you. You may lose your tax-free ISA allowance (if applicable).

  • Credit Suisse is a member of the Financial Services Compensation Scheme; should they become insolvent your investment is fully protected up to the first £50,000 for sole applicants, £100,000 for joint applicants. Details of the Scheme are set out in Clause 7 of the Terms and Conditions (Page 13 of the pdf icon Product Brochure).

  • No partial withdrawals are allowed.

  • No further funds can be added once the initial investment has been deposited.

  • The higher of the minimum guaranteed return or the accumulated quarterly growth will only be applied at the end of the 4-year term. Growth rates are paid at the end of the term - not annually.

  • YBS receives commission from Credit Suisse for arranging the Plan. This does not affect the return you receive.

  • The Plan does not meet ISA stakeholder standards.

  • The return may be less than the return from a regular savings account over the same term.


Yorkshire Building Society is one of the largest building societies in the UK. We offer a range of financial products and services including: savings & investment accounts, insurance products, credit cards, loans, mortgages and more.

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Yorkshire Building Society is authorised and regulated by the Financial Services Authority (FSA).