Minimum investment amount £3000
The Arcus 10Y Mistral Conditional Income Kickout Deposit Plan (SG32) is a 10 year investment offering 2% per quarter (8% p.a.). The interest is paid if the Net Asset Value (‘NAV’) of the Mistral US Selection Fund (the ‘Mistral Fund’) is at or above 80% of its Start Level on an Income Date. This plan is only available on an Advised basis.
Important: The closing date for applications by cheque is 15 April 2026 and by bank transfer is 17 April 2026.
The closing date for ISA transfer applications is 10 April 2026.
Product Literature And Forms
You should always read the relevant plan brochure and any other plan documentation, for full details of the plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions, there are other important documents, including a Key Information Document (‘KID’), that you should consider before deciding to invest in the plan.
If you do not fully understand the risks or are unsure as to the suitability of the investment, please contact us
How To Invest?
Please note: This plan is available on an advised basis only. If you are interested in this plan, please telephone us on 01639 860111 to arrange a free consultation.
1. Call for a free initial telephone 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.
Further Information
The Arcus 10Y Mistral Conditional Income Kickout Deposit Plan (SG32) is a 10 year investment offering 2% per quarter (8% p.a.). The interest is paid if the Net Asset Value (‘NAV’) of the Mistral US Selection Fund (the ‘Mistral Fund’) is at or above 80% of its Start Level on an Income Date. This plan is only available on an Advised basis.
Kick Out feature: The plan will mature early (kick out) if the NAV of the Mistral Fund is at or above 100% of its Start Level on an Early Maturity Date.
Repayment of your deposit: You will be repaid your Deposit in full when the Plan matures
This Plan is targeted at investors who are looking for a quarterly income over a ten-year period, but will not rely on this income to pay everyday living costs. They should be prepared to put their interest at risk in exchange for the potential of higher interest than could be achieved from an investment that does not put their interest at risk.. Please see page 11 of the Brochure (“Who is this Plan appropriate for?”) for more information.
Deposit Taker: Societe Generale, London Branch
About Societe Generale: Societe Generale is one of Europe’s leading financial service groups and a major player in the economy for over 160 years, supporting 25 million clients every day with 126,000 staff in 65 countries. Societe Generale was established in the UK in 1871 as the group’s first international office outside France. Their expertise in the UK ranges from corporate and investment banking to private banking services, asset management, prime brokerage and clearing services. In 2021, they celebrated their 150th anniversary in the country, demonstrating and reaffirming their long-standing commitment to the UK.
To find out more, visit societegenerale.com.
What Are The Risks Of The Plan?
As with all forms of investment there are risks involved.
You must be prepared to leave your deposit invested for the full fixed term otherwise you may get back less than you put in
A standard cash deposit account will repay your deposit in full, regardless of when you withdraw. Structured deposits are different because their value during the fixed term depends on many factors including interest rates, the creditworthiness of the deposit-taker and any ups and downs in the value of the underlying asset or index to which the return is linked. You will get your money back plus the potential returns if you hold your deposit until maturity, but the amount you would get back if you needed to withdraw early may vary significantly and some structured deposit providers may also charge an exit fee for early withdrawal.
There is a risk that you will receive no return on your deposit
For example, if you are promised a return linked to how the stock market performs, and it falls during the fixed term, then your return could be zero (assuming there is no minimum return) so you will just get back your deposit. You must be comfortable that this is a risk you are willing to take, and that receiving no return at all would not cause you financial difficulties. You should also understand how returns are calculated over the period of the product and whether this is based on specific points in time or averaged over the whole term of the deposit.
Inflation could erode the value of your deposit
Inflation is the rise in the price of goods and services over time. It means that your money will be able to buy less in the future than it does today. If you were to put money in a structured deposit and there was high inflation over the fixed term, your deposit at the end of the term would be worth less than it was at the start of the term. Of course, this risk also applies to any savings or investment product that is not inflation-linked.
There are limits on how much you can claim under the Financial Services Compensation Scheme
Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and benefit from the protection of the Financial Services Compensation Scheme, if the counterparty is a licensed UK deposit taker. The Financial Services Compensation Scheme (FSCS) is the UK’s deposit guarantee scheme. This provides for compensation of up to £85,000 per UK-eligible individual claimant per institution in the event of failure of the counterparty bank or institution for the aggregated amount of all eligible deposits held with them. Please refer to the individual plan brochure for details.
