Minimum investment amount £10000
The IDAD BNP Paribas UK & US Monthly Fixed Income Plan Issue 8 – April 2026 is a 5-year, 2-week plan linked to the performance of the FTSE 100 Index and S&P 500 Index. This product will pay a fixed (guaranteed) coupon on its monthly payment dates until maturity of 0.50% per month (6.00% p.a.), irrespective of the performance of the Underlying Indices.
Important: The closing date for applications by cheque is 10 April 2026 and by bank transfer is 14 April 2026.
The closing date for ISA transfer applications is 31 March 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?
Applications for the Plan must be submitted via Best Price Financial Services and received by 5pm on 14 April 2026 for bank transfer applications.
The closing date for applications by cheque is 10 April 2026
The closing date for ISA transfer applications is 31 March 2026.
This will enable us to process your application and forward it on to the structured product provider.
1. Firstly, print off and complete our Appropriate Assessment Questionnaire. All applications require two proofs of identity – see the questionnaire for more information.
2. Next download, print and complete the application form available. Note that product applications will have multiple documents, so please choose the one relevant to you.
3.Place all completed documents – questionnaire, proofs of identity, application form and cheques for payment – in an envelope and post to:
Best Price Financial Services,The Tythe Barn, 5 Eglwys Nunnydd,
Margam, Neath Port Talbot
SA13 2PS
Further Information
The IDAD BNP Paribas UK & US Monthly Fixed Income Plan Issue 8 – April 2026 is a 5-year, 2-week plan linked to the performance of the FTSE 100 Index and S&P 500 Index. This product will pay a fixed (guaranteed) coupon on its monthly payment dates until maturity of 0.50% per month (6.00% p.a.), irrespective of the performance of the Underlying Indices.
At the Final Observation date, if the both Underlyings are at or above the Capital Protection Barrier, then full capital is returned . If any Underlying is below the Capital Protection Barrier, capital return will be reduced on a 1-for-1 basis. For example, if the Underlying has fallen to 40% of its original level, 40% of the capital will be returned.
The investment is linked to the FTSE 100 Index and S&P 500 Index (see page 8 of the Brochure for full details) and investors will benefit from growth or even flat market conditions.
The initial investment into the Plan, minus any initial adviser fee, will be returned in full at maturity.
BNP Paribas: BNP Paribas provides commercial, retail, investment, and private and corporate banking services. The Bank offers asset management and investment advisory services to institutions and individuals. BNP Paribas serves customers worldwide.
BNP Paribas are the Guarantor for the UK & US Monthly Fixed Income Plan; therefore, investors are exposed to the risk of them defaulting on their obligation to repay the capital and any returns due under the terms of the Plan.
Considerations when selecting the deposit taker/issuer: Fitch, Moody’s and Standard & Poor’s are the main three independent credit ratings agencies that research and grade the ability of financial and other institutions to make the payments due from the Deposit/Plan issued and / or guaranteed by them. Each rating agency describes and names its ratings in a different way. For example, Standard & Poor’s highest possible rating is AAA, followed by AA and A. These three ratings along with their BBB rating are generally regarded as investment grade (i.e. of higher quality). All of these ratings, except the AAA rating, can also be modified by a plus or a minus to give a deposit taker’s / Issuers relative status within the grade; for example, A+, A, A- for the A rating.
BNP Paribas have ratings from each of these three agencies as follows:
*S&P’s A+ / Moody’s A1 / Fitch AA (*Source Bloomberg and Plan Termsheet).
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.
