Investment Profile No.3 of FNIB03 — Exposure to leading Japanese companies with 16.5% per period return potential and conditional capital protection.
Underlying
Nikkei 225
Term
Max 5 years 1 month
Final Valuation
17 Sep 2031
Issuer
Investec Bank Ltd
Minimum
R103,134.20
To invest in this deal, you need an active stockbroking account.
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Your return depends on where the Nikkei 225 Index finishes on each annual Autocall Valuation Date. The investment may terminate early (autocall) if the index is at or above its initial level. There are 4 opportunities to autocall before the Final Valuation Date in year 5.
Index at or above starting level on an Autocall Valuation Date
The investment autocalls and pays 16.5% × number of periods elapsed (e.g. Year 1: 16.5%, Year 2: 33%, Year 3: 49.5%, Year 4: 66%, Year 5: 82.5%).
Index down, but above the 70% barrier at the Final Valuation Date
100% of capital is returned in Rand. No growth, but no capital loss.
Index closes below 70% of initial on the Final Valuation Date
Capital loss equal to the reference asset's negative return. This is the primary investment risk.
14 August 2026
Application Closing Date
21 August 2026
Initial Valuation Date
26 August 2026
Listing Date
17 September 2027
Autocall Valuation Date 1
19 September 2028
Autocall Valuation Date 2
18 September 2029
Autocall Valuation Date 3
17 September 2030
Autocall Valuation Date 4
17 September 2031
Final Valuation Date
The investment can mature early if the index is at or above its starting level on an annual observation date.
Japan's equity market is supported by improving wage growth, corporate reform, shareholder-friendly capital allocation, and a gradual move away from deflation. If these trends continue, the Nikkei 225 could be higher over the next five years — but investors should expect periods of volatility, especially from global growth shocks, yen moves, and interest-rate changes.
Year 1 Autocall (16.5%)
R 120,151.11
Year 2 Autocall (33%)
R 137,168.22
Year 3 Autocall (49.5%)
R 154,185.33
Year 4 Autocall (66%)
R 171,202.44
Year 5 Payout (82.5%)
R 188,219.55
Capital Protected (barrier not breached)
R 103,134
Illustrative payouts before fees or tax considerations specific to the investor.
You need a stockbroking account
This may mature early
Capital protection at maturity only
You take issuer and credit reference risk
This product may not be suitable if you need regular income, want full protection in all scenarios, or may need to access money before maturity.
Speak to us before the application closing date (14 August 2026) if you would like to invest or need help setting up a stockbroking account.