Zurich have a new tracker bond that seems quite attractive. It's different to the other trackers in the market in that you can access your money at any stage during the term. I wanted a capital secure product but wanted the option of taking my money out if I needed it. The maximum upside in any year is 36% and there is a lockin feature on gains. I dealt with a broker in Cork called Mark Ryan from Insight Wealth Management. He was very knowledgeable and informamative and put me under no pressure.