BCP Split Deposit Tracker Bond

Just wondering if anyone had any opinions on this investment?

25% of sum invested is placed on deposit for 18 months at 10% Gross return. The remaining 75% tracks the performance of a basket of 24 international large cap stocks for 3.5 years.

For 100% capital guarantee there is a cap on investment returns to 40% Gross
For 90% capital guarantee there is a cap on investment returns of 80% Gross

With markets very low at the moment does this type of product offer a decent opportunity for growth?

Has anyone had previous experience with BCP?

Anyone recommend any alternative investments at the moment?

I have never been a fan of capped returns. Even if they are offering 100% guarantees.
Why not take a look at this guaranteed bond with Quintas WM which is not capped:
[broken link removed]
It is 40% Equity, 40% Commodity and 20% Fixed Income.
It also invests in the Blackrocks, PIMCO's, Jim Rogers and Buffets etc. of this world.

I don't have any connection to this company or the product only that a friend gave me the brochure last weekend and I liked the look of it.

Its not capped but a 6.5% annual charge plus 4.5% upfront surely means its going to struggle to beat deposit returns, or am I missing something?

I have done a key post on the topic of Quadruple Growth Bonds.

It should stop you from dealing with BCP.

Brendan