When it comes to growing your savings and securing your financial future, having access to the right investment opportunities is key. Whether you’re looking for flexible deposit options, income-generating bonds, or capital-protected investments, understanding your choices is essential to making informed financial decisions. In this update, we explore three distinct investment options currently available—each offering unique benefits depending on your savings goals and risk appetite. From HSBC’s competitive monthly access deposit to structured bonds designed for steady returns, we break down the details to help you decide what’s right for you.

1.65% Monthly Access Deposit

Offered by HSBC, Europe’s biggest bank, this deposit account offers an open ended variable rate deposit for savers that is currently 1.65% per annum. Deposits can be lodged or withdrawn on the 1st of every month. The interest is paid in January each year, or when the funds are withdrawn, if earlier.

Target Coupon Bond 14

This bond pays out 6% each year on the anniversary of the bond, provided the underlying index is at or above 60% of its initial level (the date of investment). The index is the Morningstar US 500 & Eurozone 50 Target Volatility 17% Decrement 50 Point GR EUR (Bloomberg ticker: MSUSEVCD). The bond will mature (repay your capital) if the Index is at 83% or more of its initial level on the 3rd anniversary of the bond, or any anniversary thereafter, to year 10. Any missed year is payable once the index is at or above 60% of its initial level at an anniversary. Capital is fully protected unless the index is more than 50% below its initial level on the 10th anniversary.

100% Protected Pan European Bond

This is a capital secure bond that provides exposure across 4 economic areas – Eurozone, the UK, Switzerland and Scandinavia with 100% capital protection at maturity.

Here to help you save for today, tomorrow and for the unexpected.

At Lynx Financial Services, our team of experienced financial advisors are dedicated to helping you achieve your financial goals. We understand that everyone’s circumstances are unique, and we take a personalised approach to financial planning. 

We’ll work with you to assess your needs, risk tolerance, and investment goals, and develop a tailored plan to secure your financial future. Let us help you navigate the complexities of financial planning and make informed decisions about your retirement income. No jargon, no hidden fees, just plain talking, strategic financial advice.