Arc Capital & Income plc 'Bricks and mortar plan'

Here's an investment I wouldn't recommend!

Basically, they stick your money on deposit for six years (that's where the 30% comes from) and there must be some well-capitalised house-price-bears somewhere who are prepared to take the other side of the gamble, in other words, the more prices fall, the bigger their pay-out (and vice versa).

If I were a bank or building society, or indeed a big property company, that's exactly the kind of punt I'd take - it insures me against house price falls.

So, who do you think will win this bet, the Big Boys or the mugs who sign up for this?