Not all savings work the same way.

Some people want the certainty of a fixed return. Others want regular income from their money. Some want their capital protected but still growing over time. The right option depends on your goals, your timeframe and how much risk you’re comfortable taking on.

In this post, we look at five investment options currently available in the market. Fixed Rate Deposits, income-generating bonds and capital-protected investments. Each one works differently and suits different situations. The aim is to give you a clear picture so you can decide which, if any, makes sense for you.

1. BCP 100% Protected 3 ½ Year Dual Index Bond 5

This is a Fixed Term of 3.5 years with 100% capital protection at maturity  and provides exposure to the performance of the largest companies in the Eurozone and Switzerland via the EuroStoxx 50 Index & Swiss Market Index. The bond returns 15% if the indexes are at or above the initial level at maturity.

The Capital guarantee is provided by Goldman Sachs. Risk Rating of 2 out of 7.

For more information, you can access the summary here

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2. BCP 100% Protected Pan European Bond 13

This is a Fixed Term of 5 years with 100% capital protection at maturity and provides exposure to the performance of the largest companies in the Eurozone via the EuroStoxx 600 Index. The bond returns any of the positive gain in the index, to a maximum of 32%.

The Capital guarantee is provided by Goldman Sachs. Risk Rating of 2 out of 7.

For more information, you can access the summary here.

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3. BCP Target Coupon Bond 21

This bond does not have a hard capital guarantee, but is guaranteed once the index is above 50% of its initial level at maturity, and a defensive feature in a max term of 10 years.
This is the 21st edition of the bond and it is a popular option. The index is the Morningstar Europe Select 600, 600 of the largest companies across the Eurozone, Uk, Switzerland & Scandinavia.
  • A 6% coupon is paid out on the anniversary of the bond each year if the index is at or above 60% of its initial level.
  • Any missed coupons become payable at future anniversaries if the index is back above 60% of its initial level.
  • From year 3 the bond will mature early and repay the capital in full, along with all coupons due, if the index is at or above 85% of ints initial level.
Risk Rating of 4 out of 7.

Link to Flyer  – Click Here

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4. BCP EuroStoxx 50 Target Return Bond 2

No hard capital guarantee, but capital is guaranteed at maturity if the index is above 65% of its initial level at maturity. The max term is 5 years, the bond pays a coupon of 6% p/a and can mature early after 18 months and every 6 months thereafter, if the index is at or above its initial level.
The bond provides exposure to the EuroStoxx 50 index, and arranged through HSBC Europe.
Risk Rating 4 out of 7.

Link to Flyer  – Click Here

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5. 3 Year Fixed Term Deposit, 2% AER with Crédit Agricole (via BCP)

  • 3 Year Fixed Deposit which pays 2.0% AER
  • Deposit Interest paid out annually in April every year
  • Deposit with Capital Security at maturity
  • Crédit Agricole is the 2nd largest bank in the EU and the 9th largest in the world.
  • Credit Ratings: Fitch AA- (Stable), Moody’s A1 (Stable) and S&P A+ (Stable)
  • Available to Individuals, Charities, Corporates.
  • Minimum Investment: €50,000
  • Closing Date 26th March 2026

Link to Flyer – Click here

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

At Lynx Financial Services, we keep things simple. No complicated jargon. Just clear, practical guidance to help you plan your pension, manage your investments and protect your future.

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.

Because good advice is never one-size-fits-all. It is built around you.

📩  Call us today for a no-obligation chat or connect with Gareth on LinkedIn.

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Warning: If you invest in these products you may lose some or all of the money you invest.
 Warning: Past performance is not a reliable guide to future performance.
 Warning: The value of your investment may go down as well as up.
 Warning: Benefits may be affected by changes in currency exchange rates.