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.

UK & US Semi-Annual Step Down Kick-out Plan Issue 5

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UK & US Semi-Annual Step Down Kick-out Plan Issue 5

When you invest in the UK & US Semi-Annual Step Down Kick-out Plan 5, you may receive an accumulated return of 3.75% for each six month period that has elapsed since the Investment Start Date (equivalent to 7.5% per annum) depending on the performance of the FTSE 100 Index and the S&P 500 Index. 

Potential early maturity (kick-out) on any anniversary date, from year two onwards, if both indices are at or above their 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 by a further 5% each year thereafter. 

Capital is at risk if either of the Indices close below 60% of its Initial Index Level on the Investment End Date. 

Overview

  • Investment Term: Up to six years
  • Potential return of 3.75% for each six month period that elapses during the Investment Term
  • Potential kick-out from year two, and every six months thereafter
  • Defensive Feature: The kick-out level reduces by 5% of the Initial Index Level on the third anniversary, and by a further 5% each year thereafter 
  • Capital is at risk. You could lose some or all of your initial investment 
  • Counterparty is Goldman Sachs International, which holds an 'A+' credit rating from Standard & Poor's 
  • Invest from £10,000

Key dates

ISA/ JISA transfer deadline

6 April 2018 (Stocks & Shares ISA transfer) 
13 April 2018 (Cash ISA transfer) 

Application deadline

27 April 2018

Investment start date

4 May 2018

Anniversary dates

5 May 2020, 4 November 2020, 4 May 2021, 
4 November 2021, 4 May 2022, 4 November 2022, 
4 May 2023 and 6 November 2023

Investment end date

4 November 2021

Product material

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