Arcus 5Y UK Defensive Step Down Kick Out Plan

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How does a over 19.8% return on your investment after 3 years sound…?

For those investors who are not confident that the UK market will rise significantly in the coming years, this defensive investment could offer a compelling risk versus reward

Oliver Roylance-Smith

Head of Savings and Investments

Well that’s exactly what’s on offer from this defensive step down plan from Arcus. In addition, should the plan mature early or ‘kick out’, not only do you receive the headline rate of return on offer, but also your initial investment back in full.

The plan offers to end early or ‘kick out’ and return your initial capital plus 6.60% growth for each year invested (not compounded), provided the level of the FTSE 100 Index is above the required level at the end of each year. The required level starts at 100% of its starting value at the end of year 3, then reduces down by each year, down to 80% in the final year.

If the Index closes below the required level each year, no growth return will be paid and your initial investment will be returned in full unless the Index has fallen by more than 40% at maturity. If this does occur, your capital is at risk so you will lose some or all of your investment.

Depending on your view of the UK market, an investment that offers the potential for high growth returns even if the markets fall up to 20%, could be a timely one.

Plan Details

Potential Return: 6.60% for each year invested (not compounded), if the FTSE is above required kick out level

Required kick out level reduces from 100% to 80% over the term

Potential to mature early (kick out) each year from year 3 onwards

Capital At Risk Product – 60% barrier

Available for Stocks & Shares ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 5 Years

Arrangement fee applies

Minimum single investment: £3,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments

Deadlines

ISA Transfer Applications: 7 January 2025
Direct & ISA Applications by cheque: 9 January 2025
Direct & ISA Applications by bank transfer: 17 January 2025

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

Arcus 5Y UK Defensive Step Down Kick Out Plan MS34

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Regular contributions	E.g. £100 a month investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £3 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund). The trail commission is included within the standard charging structure of the investment.
Structured products	Not applicable as regular contributions are not permitted
Venture Capital Trusts (VCTs)	Not applicable as regular contributions are not permitted
Savings Accounts	Accounts pay either initial commission (up to 1.2%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £1.20 initial commission, or £4.80 trail commission in year two and so on (actual amount will vary in line with the value of your savings account).

Lump sum investment	E.g. £30,000 investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £90 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund) The trail commission is included within the standard charging structure of the investment.
Structured products	Initial commission of up to 3%, so Fair Investment Company will receive £900. This commission will be paid directly to us by the product provider and is taken into account within the standard charging structure of the product. Where no commission is paid by the product provider our introductory fee will be taken as an initial charge from your investment. This introductory fee will be no more than 3% of the amount invested. No annual trail commission will be payable.
Venture Capital Trusts (VCTs)	Initial commission of up to 2.5% plus up to 0.5% of your current fund value or initial investment each year, so up to £750 initial commission plus £150 trail commission in year two and so on (the actual amount in later years may vary in line with the value of the your investment). Please refer to the individual securities note for how the initial commission is paid. Unless we tell you otherwise, the trail commission is paid to us directly by the investment manager and is included within the standard charging structure of the investment.
Savings Accounts	Accounts pay either initial commission (up to 0.3%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £90 initial commission or £120 trail commission in year 2 and so on (actual amount will vary in line with the value of your savings account).