The ACI 17.25 per cent Kick-out Plan follows the FTSE 100 and S&P GSCI Crude Oil ER indices. It has a term of five years and one week but as a kick-out product it will close at the end of any year where both indices are at or above their opening levels.

After the first year, investors would receive their original capital back plus 17.25 per cent on their investment if maturity has been reached. If maturity was triggered on the second year they receive an extra 17.25 per cent, resulting in a 34.5 per cent return, and so on to year five - with a payment of 85.25 per cent.

“The FTSE 100 has performed exceptionally well in the last quarter and there are market commentators that believe that there will be a correction in the coming weeks, perhaps prior to the strike date. By comparison the S&P based index has recently bottomed out and has plenty of headroom for growth over the period of the plan,” said John Gracey, director at Arc Capital & Income.

The product is not fully capital protected in that if the final level of either index finishes at less than 50 per cent of its opening level, investors capital would be reduced at a ratio of one per cent for every one percentage drop by the lowest underlying index.

The product is open to individual and institutional investors with a minimum investment of £3,600 ($5,752) and a maximum of £2 million.