Harvest Income Note – Fixed return of 3% p.a.

Income Note – Fixed Return of 3% PA

In line with our recent communications about flat (to negative) interest rates, we have taken on board client requests to structure a product capable of delivering sustainable income, with an element of (conditional) capital guarantee and lower level of volatility than direct equities.

The main features of the Harvest Income Note are as follows:

  • Fixed return of 3% per annum
  • Conditional capital protection: Capital at risk if at maturity date, any of the underlying indices are at or below 65% of their initial level.
  • Guarantor: EFG International AG (credit ratings “A3” by Moody’s; “A” by Fitch).
  • Underlying Indices: Eurostoxx 50 Index (Europe); SP/ASX 200 Index (Australia); iShares MSCI ACWI ETF (MSCI World).
  • Term: 5 years

This investment may be of interest to pre (SSAP) and post (ARF) retirement pension schemes with an objective for a fixed income payment of 3% per annum, as a proxy or alternative to current cash deposit rates. This investment is also available to Personal clients, Companies and Charities.

income note - fixed income payments - 5 year investment term


income note - fixed return over 5 years


You can view a summary of the Harvest Income Note here, alternatively, for further information, you can contact us on 01 2375500 or email justask@harvestfinancial.ie



income fixed interest rate - high return