Capital Guaranteed vs Capital Protected.

Completely different!

Capital guaranteed is safe meaning your capital is protected and cannot be lost.

Capital protected means your money is safe BUT….

The BUT is the important caveat. Normally your money is projected unless x y z happens. I.e. certain stocks or indices do not fall below a set level. If they do fall before said level your protection evaporates and you have in effect no capital protection.

Some notes do perform well if the markets perform well. Yet this is either luck of the draw from favourable market conditions or a good note with low commissions.

Sadly the notes that fail normally have high charges and fees. When notes fail you get the value of the lowest of the underlying assets. This can be a disaster and people have lost 80% of their pension by purchasing a note recommended to them by their ‘advisor’.