Minimum investment amount £3000
The Arcus 3Y Three Stock Defensive Lock In Kickout Plan (SG44) is a maximum three year investment offering a Potential return of 16% a year, paid as a lump sum when the Plan matures. This plan is only available on an advised basis
Important: The closing date for applications by cheque is 17 August 2026 and by bank transfer is 19 August 2026.
The closing date for ISA transfer applications is 7 August 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 3Y Three Stock Defensive Lock In Kickout Plan (SG44) is a maximum three year investment offering a Potential return of 16% a year, paid as a lump sum when the Plan matures. This plan is only available on an advised basis
Kick Out feature: The Plan will mature (kickout) and pay the return once all three stocks have met the ‘Lock In Condition’.
Lock In Condition: The performance of all three stocks is recorded on every Early Maturity Date. If a stock closes at or above the Lock In Level on an Early Maturity Date, the Lock In Condition is met for that stock.
Repayment of your Amount Invested: You will be repaid your Amount Invested in full if the Plan kicks out. You will make a loss if there is no kick out and on the Final Maturity Date, the level of at least one of the Stocks is below 50% of its Start Level.
Issuer: SG Issuer, guaranteed by Societe Generale. If the Issuer becomes insolvent, you could lose a significant proportion of the Amount Invested and any return due, regardless of how the Stocks perform.
Tax treatment: You should expect to pay Capital Gains Tax on the return from your investment.
This Plan is aimed at investors who are comfortable leaving their money invested for up to three years. They should be looking to receive a return as a lump sum rather than a regular income, and be flexible when that lump sum is paid. They should also be prepared to put their capital at risk and risk receiving no return. Please see page 17 of the Brochure (‘Who is this Plan appropriate for?’) for more information.
What Are The Risks Of The Plan?
As with all forms of investment there are risks involved. These plans do not guarantee to repay the money invested. The potential returns of the plans and repayment of the money invested are dependent the level of the underlying asset(s) or index / indices to which the return is linked and also on the financial stability of the Issuer and Counterparty.
Past performance is not a guide to future performance and may not be repeated. Investment involves risk. The performance data does not take account of the commissions and costs incurred on the issue and redemption of shares. The value of investments and the income from them may go down as well as up and investors may not get back any of the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rate changes may cause the value of overseas investments to rise or fall.
The promotion of the plans does not constitute ‘advice’ to invest. Advice is always specific to an individual investor’s circumstances and needs, following the process of ‘know your customer’, with the aim of ensuring that any product is suitable for an investor.
As always, the recommendation and common-sense approach is to consider product solutions as a portfolio, never over-exposing oneself to a point of financial pain and suffering liquidity or counterparty over exposure.
