Anglo Irish Bank in association with Liberty Asset Management has introduced a new deposit account investment called the Harvester. It gives 100 per cent capital security and up to 10 per cent income each year even if markets are showing negative returns.

The Harvester is a four-year, fixed-term deposit although investors don't have to wait until the end of the term to have their returns paid out. It is linked to the Dow Jones Euro Stox 50 index which is made up exclusively of blue-chip stocks and based on the top 50 companies in EMU memberstates. The minimum investment required is £3,000 and must be received before March 26th.