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.

SG UK Step Down Kick-out Plan (UK3) 1

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SG UK Step Down Kick-out Plan (UK3) 1

When you invest in the SG UK Step Down Kick-out Plan (UK3) Issue 1, you may receive an accumulated return of 8.5% for each year that has elapsed since the Investment Start Date, depending on the performance of the FTSE 100 Index. 

The Plan has the potential to mature early (kick-out) on an Anniversary Date where the FTSE 100 Index is at or above a pre-determined kick-out level. 

The required kick-out level reduces by 5% of the Initial Index Level on the fifth anniversary, and on each Anniversary Date thereafter. 

Capital is at risk if the Index closes below 60% of its Initial Index Level on the Investment End Date. You could lose some or all of your Initial Investment.

Overview

  • Investment Term: up to eight years
  • Potential return of 8.5% per annum, payable on maturity
  • Potential kick-out from year two, and annually thereafter 
  • Kick-out level reduces by 5% of the Initial Index Level on the fifth anniversary, and annually thereafter 
  • Counterparty is Societe Generale
  • Counterparty risk is mitigated through collateralisation
  • Exposure to the credit risk of the UK3 during the Investment Term
  • UK3: HSBC Holdings plc, Lloyds Banking Group plc and Barclays plc
  • Invest from £10,000

Key dates

ISA/ JISA transfer deadline

28 September 2018 (Stocks & Shares ISA transfer) 
5 October 2018 (Cash ISA transfer) 

Application deadline

19 October 2018

Investment start date

26 October 2018

Anniversary dates

26 October 2020, 26 October 2021, 26 October 2022,
26 October 2023, 28 October 2024 and 27 October 2025

Investment end date

26 October 2021

Product material

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