UK investment boutique Jubilee Financial Products has launched a new structured product, the Optimised Growth Plan, which the firm says is designed to minimise investment timing risk while there is still a chance of further falls in the UK market.

The Optimised Growth Plan is intended to optimise investors’ entry level into the plan as the starting point for investment will be taken as the lowest daily closing level of the FTSE 100 Index for the first three months. Subsequently, the plan offers three times the Index’s growth, up to 50 per cent return over the next five years. Capital is at risk if the Index has fallen 50 per cent or more at maturity of the plan.

“The uncertainty over whether the current market rally can be sustained, and whether there will be another leg down before the recovery starts in earnest, means investors may be reluctant to invest now, preferring to wait and see,” said Ian Millward, Jubilee FP’s head of distribution.

“We feel that the combination of the daily optimised entry or ‘lookback’ feature and the three-times gearing means the product has real potential to provide excellent returns, even if there is a short term correction,” he added.