Investment Management

A wide range of services where you can choose your level of involvement in managing your investments. You can make all the investment decisions yourself and simply give us your instructions, you can access our expert advice for your portfolio or entrust the decisions to your dedicated investment managers.

As an independent investment manager, not tied to any funds, products or large institutions, we offer you transparency and flexibility to ensure that your objectives are met efficiently and successfully.

Annual Step Down Plan 3

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Annual Step Down Plan 3

When you invest in the Annual Step Down Plan 3, you may receive capital growth of 6% for each year of your investment depending on the performance of the FTSE 100 Index. 

Potential early maturity (kick-out) on any anniversary date, from year two onwards, if the FTSE 100 Index is at or above its required kick-out level. 

The Plan includes a defensive feature, whereby the required kick-out level reduces by 5% of the Initial Index Level on the third anniversary, and on each year thereafter. 

Capital is at risk if the Index closes below 50% of its Initial Index Level on the Investment End Date. 

Overview

  • Investment Term: Up to six years
  • Potential return of 6% for each year that elapses 
  • Potential kick-out from year two 
  • Defensive Feature: The kick-out level reduces by 5% of the Initial Index Level on the third anniversary, and each year thereafter 
  • Capital is at risk, you could lose some or all of your initial investment 
  • Counterparty is HSBC Bank plc, which holds an 'AA-' credit rating from Standard & Poor's 
  • Invest from £10,000

Key dates

ISA/ JISA transfer deadline

16 December 2016 (Stocks & Shares ISA transfer) 
22 December 2016 (Cash ISA transfer) 

Application deadline

13 January 2017

Investment start date

20 January 2017

Anniversary dates

21 January 2019, 20 January 2020, 20 January 2021
and 20 January 2022

Investment end date

20 January 2020

Product material

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