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 1/4 Year Dual Index Bond 3

This is a Fixed Term of 3.25 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 Credit Agricole. Risk Rating of 2 out of 7.

Closing 16th October 2026

For more information, you can access the summary here

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2. BCP 100% Protected Pan European Bond 17

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 45%.

The Capital guarantee is provided by Credit Agricole. Risk Rating of 2 out of 7.

Closing 13th November

For more information, you can access the summary here.

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3. 3 Year Fixed Term Deposit, 2.7% AER with BNP Paribas (via BCP)

  • 3 Year Fixed Deposit which pays 2.7% AER
  • Deposit Interest paid out annually each year
  • Deposit with Capital Security at maturity
  • 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 29th September 2026

Link to Flyer – Click here

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4. 5 Year Fixed Term Deposit, 3% AER with Credit Agricole (via BCP)

  • 5 Year Fixed Deposit which pays 3% AER
  • Deposit Interest paid out annually each year
  • Deposit with Capital Security at maturity
  • 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 25th September 2026

Link to Flyer – Click here

5. 7 Day Notice Deposit, 1.5% AER with HSBC Continental Europe

Offered by HSBC, Europe’s biggest bank, this deposit account offers an open ended variable rate deposit for savers that is currently 1.5% per annum. Deposits can be withdrawn within 7 calendar days.

The Deposit Interest earned remains invested in the Deposit. The Deposit offers the option for Interest earned to be paid out in January each year for the previous year, or at the withdrawal date, if earlier.

  • The minimum deposit is €50,000.

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.