Elevating your wealth’s potential with guaranteed returns

A core function of any wealth strategy is balancing your liquidity with your longer-term goals. Investments could mean potential growth over time and well-timed lending could provide flexibility and immediate payments. Deposits are a third pillar within your wealth portfolio, allowing you to map out your spending plans over set timeframes while your money earns a guaranteed set interest rate.

What is a guaranteed return?

By setting up a Fixed Term Deposit swiftly and easily with your private banker, you could lock in a fixed rate, mitigating potential rate drops in the future and keeping your deposits earning interest until you need them.

How could locked in returns help your wealth strategy?

• You’ll know exactly how much you’ll have at the end of the term, allowing you to plan for forthcoming annual payments, including tax liabilities, school fees or ahead of exchanging on a property. You could also use it to put a windfall to work or to set money aside that you may be planning to gift in the future.
  
• With no upper limits on the amount you can deposit, you could ensure your money is earning well in advance of when you plan to use it.
  
• A further benefit for clients is the facilitation of deposit accounts in a range of currencies – mitigating potential FX costs and helping those with international considerations plan multi-currency payments while securing an interest rate.

Having that foresight could also support your longer-term growth goals, giving you the confidence of set returns and timeframes which define how much you’re then able to commit to investments.

Our Fixed Term Deposit Accounts can be opened with a minimum balance of £25,000 (up to one year) and we can offer any date range between 30 days and five years, with interest is paid upon maturity – though deposit balances held for longer than a year have a minimum of £1m. Our Private Notice and Private Reserve Deposit Accounts can be opened with as little as £1.