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Investec Kick-Out Deposit Plan 11

My IFA has advised putting my 2010/11 cash ISA into the Investec FTSE 100 Kick-Out Deposit Plan 11. I am happy to tie up the investment for potentially 5 years.

I know that after 5 years I could risk a nil return but your capital is guaranteed, taking into account inflation.

Does anyone think this is worth the risk for the potential higher return or would you stick to standard ISA accounts?

I welcome you opinions. Thanks!
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