Britannia Guaranteed Return Capital Bond

Whilst popping into the Britannia to pay some money into my grandsons trust fund today i got talked into a review for myself. There was not a lot i was interested in, as far as i could see their products are very mediocre and i could see no point in going any further until she showed me the

Guaranteed Return Capital Bond

The blurb on the front of the leaflet says " Benefit from Potential stock market growth with a guaranteed minimum return of 10% gross at the end of the 5 years".

Now at the moment, i have about £6,000 sitting in accounts feeding my regular savers. I have a Halifax Websaver account which i am funding my 7% regular saver and also the 10% account which is held in trust for my son.

I also have an Alliance and Leicester account which is being used to to and forth money which will go into my other regular saver paying 10%

Whilst these accounts are running smoothly, the idea of not having to fiddle around with accounts sounds really attractive to me, the idea that i will get a minimum return of 10% for all my cash also suits me as at the moment as they are either in regular savings accounts or in accounts gaining 5% or slightly less waiting to be swept into my other accounts.

Can anyone see any pitfalls in doing this? Is it best that i leave things well alone? I know i would have to tie up my money for 5 years but that idea is quite attractive at the moment.

Any comments would be appreciated.