# Strong performance of Investec / Lowes structured product maturities Author: Pal Sinha, Barnali Author URL: https://financedigest.com/author/pal-sinha-barnali Published: 2021-07-07 Category: BUSINESS Category URL: https://financedigest.com/category/business Meta Title: Investec Structured Products: Outperforming FTSE 100 Meta Description: Explore the consistent and beneficial returns of Investec structured products, including joint collaborations with Lowes Financial Management. Don't miss URL: https://financedigest.com/strong-performance-of-investec-lowes-structured-product-maturitieshtml ![undefined](https://prod.superblogcdn.com/site_cuid_cm5qst7v3003gwirgwqtxn8i8/images/storyblocks-startup-business-people-group-have-meeting-in-modern-bright-office-interior-senoir-investors-and-young-software-developers-sign-contractbovz9p60jz1-1736838209886-compressed.jpg) _By **Ian Lowes,** MD of_ [_Lowes Financial Management_](https://www.lowes.co.uk/) Investec may have pulled out of the retail structured product market but many of its plans continue to mature providing investors with strong returns. Early in 2021, Investec reached the decision that structured products are no longer their preferred method of raising retail funding, shifting its focus to other core services. Investec has been the dominant player in the sector since 2008, with a consistent range of both deposit and capital at risk products that have, with very few exceptions proven to be very beneficial for investors. At the time of writing, 1,204 Investec structured products have matured and of these, all but 23 produced positive returns, with the 23 simply returning [capital with no losses](https://www.financedigest.com/galois-capital-flagship-fund-to-close-after-ftx-losses.html "Galois Capital flagship fund to close after FTX losses"). The average return was 7.42% per annum – which by any measure is impressive. Investec’s departure from the market is not therefore great for retail investors, or indeed their [financial advisers who correctly identified the value](https://www.financedigest.com/the-value-of-customer-centricity-to-c-suite-financial-strategy.html "The value of customer-centricity to C-Suite financial strategy") in these propositions for their clients. All existing Investec structured products are unaffected by the decision to withdraw from the [market and they continue to function](https://www.financedigest.com/functional-printing-market.html "Functional Printing Market") as set out in the relevant brochure, including clients’ rights with regards to encashment. Among the range of Investec [products are a portfolio of joint collaborations with Lowes Financial Management; the Investec / Lowes 8:8 Plans, which continue to come to maturity](https://www.financedigest.com/understanding-management-theories-and-maximising-productivity.html "Understanding management theories and maximising productivity"). So far this year six Investec/Lowes 8:8 Plans have matured (issues 1, 2, 5, 7, 8 & 9) and these, together with many others have significantly out-performed the underlying – most commonly the FTSE 100. With thousands of IFA distributed structured products launched over the [past few years](https://www.financedigest.com/big-banks-want-survive-past-next-10-years-need-adapt.html "If the big banks want to survive past the next 10 years, they need to adapt") there is a constant stream of maturities. The [performance of these products](https://www.financedigest.com/panasonic-delays-production-of-new-tesla-battery-to-improve-performance.html "Panasonic delays production of new Tesla battery to improve performance") is constantly tracked by Lowes. **[Analysis of the recent Investec / Lowes](https://www.financedigest.com/analysis-russian-gas-flow-too-low-to-fill-europes-storage.html "Analysis – Russian gas flow too low to fill Europe’s storage") 8:8 Plan maturities reveals:** **Investec / [Lowes 8:8 Plan](https://www.financedigest.com/sterling-plunges-to-all-time-low-in-scathing-appraisal-of-fiscal-plan.html "Sterling plunges to all-time low in scathing appraisal of fiscal plan") 9** This [plan matured early](https://www.financedigest.com/exclusive-microsofts-bing-plans-ai-ads-in-early-pitch-to-advertisers.html "Exclusive-Microsoft’s Bing plans AI ads in early pitch to advertisers") on its second anniversary (29 April 2021), returning investors’ original capital in full, in addition to a gain of 15.2%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 6.4%. **Investec /Lowes 8:8 Plan 5** This plan has matured early in its second year (22 April 2021), triggering the [return of investors’](https://www.financedigest.com/investors-seek-higher-returns-as-catastrophe-bond-issuance-slows-during-q2-according-to-aon-study.html "INVESTORS SEEK HIGHER RETURNS AS CATASTROPHE BOND ISSUANCE SLOWS DURING Q2, ACCORDING TO AON STUDY") original capital in full, in addition to a gain of 20%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 1.5%. **Investec /Lowes 8:8 Plan 2** This plan has matured early on its third anniversary (19 April 2021), [returning investors’](https://www.financedigest.com/investor-appetite-for-italy-returns.html "Investor appetite for Italy returns") original capital in full, in addition to a gain of 24%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 4.3%. **Investec/Lowes 8:8 Plan 8** This [plan matured early on its second](https://www.financedigest.com/industrialist-sanjeev-gupta-plans-second-bank-to-aid-uks-trade-with-commonwealth-markets.html "Industrialist Sanjeev Gupta plans second bank to aid UK’s trade with Commonwealth markets") anniversary (11 March 2021), returning investors’ original capital in full, in addition to a gain of 17%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 5.5%. **Investec/Lowes 8:8 Plan 1** This plan matured early on its third anniversary (8 March 2021), [returning investors’](https://www.financedigest.com/marketinvoice-delivers-a-return-of-10-to-investors-in-2017.html "MARKETINVOICE DELIVERS A RETURN OF 10% TO INVESTORS IN 2017") original capital in full, in addition to 22.5%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 6.7%. **Investec/** **[Lowes 8:8 Plan](https://www.financedigest.com/planning-to-move-to-the-low-carbon-economy-how-banks-can-plan-today-for-new-stress-tests-arriving-soon-2.html "Planning to move to the low carbon economy: How Banks can plan today for new stress tests arriving soon") 7** This plan matured early on its second anniversary (28 January 2021), returning [investors’ original capital](https://www.financedigest.com/assetz-capital-investors-call-for-a-housebuilding-budget.html "Assetz Capital investors call for a housebuilding budget") in full, in addition to a gain of 16%. Over the plan term the FTSE 100 Index to which the plan was linked, declined by 3.3%. --- This blog is powered by Superblog. Visit https://superblog.ai to know more. ---