ADVISED ONLY

A maximum six year structured investment plan linked to the performance of the FTSE 100 Index. If at the end of years 1, 2, 3, 4, 5 or 6 the FTSE 100 is higher than its starting level the Plan will mature (Kick-Out) returning your initial investment plus a fixed payment equal to 8.8% per annum.

Key Dates

Closing Date: 20 July 2018 ISA Transfers: 29 June 2018
Start Date: 27 July 2018 Maturity Date: 29 July 2024
Important: The closing date for applications by cheque is 11 July 2018 and by bank transfer is 17 July 2018.
Please note: This plan is available on an advised basis only. If you are interested in this plan, please telephone us on 01639 860 111 to arrange a free consultation.

Key Terms

Potential Return: 8.8% per annum

Investment Type: Auto-Call/Kick-Out

Product Type: Capital at Risk

Investment Term: Maximum 6 years

Minimum Investment: £3,000

Underlying Asset: FTSE 100 Index

Capital Protection: Capital is at risk if the Plan runs for the full 6 years and at the end of year 6, if the FTSE 100 finishes lower than 60% of its starting level, your initial investment will be reduced by 1% for every 1% fall in the index at the end of the Plan Term.

How to invest

1 Call 01639 860 111 for a free initial consultation over the telephone
Following the free initial consultation, if you wish to progress the process of the product purchase, the regulatory process of ‘advice’ must commence.

2 The completion of a financial review –
which will confirm details of your income/capital and investment needs and experience

3 The completion of a risk profiler -
which will help to measure your attitude to risk.

This process will enable ‘advice’ to be provided in relation to the suitability of the product to meet with your needs. The fee for this service and process is 1.5% (subject to a minimum fee of £300) for focused advice – which is focused and narrowed to the suitability of the structured product you want to purchase.

Fees for Advised Investments

If you receive advice in the purchase of your Structured Product then this will incur an arrangement fee, but at just 1.5% this is lower than almost every other provider. Purchasing this way will ensure that you receive help and direction in choosing your plan, making it a good option for investors who are new to Structured Products. All advised investments carry a minimum charge of £300.

How much does it cost to invest?

A minimum fee of £300 applies for ISAs, ISA transfers and Direct cash investments.

Further Information

The Plan is designed to repay your initial investment and deliver a return if the FTSE 100 increases over the Plan Term.

If at the end of years 1, 2, 3, 4, 5 or 6 the FTSE 100 is higher than its starting level the Plan will mature (Kick-Out) returning your initial investment plus a fixed payment equal to 8.8% per annum (not compounded).

However, if the FTSE 100 falls by more than 60% from its starting level at any point during the Plan Term, and finishes lower than its starting level, your initial investment will be reduced by 1% for every 1% fall in the FTSE 100 at the end of the Plan.

Therefore, this Plan has been designed for clients who are looking for equity-linked returns over a 6 year period, but can accommodate receiving their money back before the end of the term. It is aimed at clients who have a medium attitude to risk and are prepared to risk their capital in order to potentially achieve higher returns.