This information has been prepared for investment professionals only, and is not to be used with end investors.
While we show annualised returns for comparison purposes, when investors receive the return depends on the terms of the Plan (for example, growth plans will pay the return only at the point the plan matures). The returns shown are not compounded.
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Term |
Potential Return (annualised) |
Income Trigger |
Growth / Kick-Out Trigger |
Minimum Payout |
Expected Tax Treatment |
Earliest Potential Maturity |
| Deposit Plans: GROWTH (capital protected) |
| Arcus 6Y UK Defensive Growth Deposit Plan (RBC48) | 6 years | 5.56% | 2.78% | N/A | 80% | 116.70% | Income tax | Year 6 |
Potential interest of 10.50% (5.25% p.a.), paid if the FTSE 100 closes at or above its Start Level at maturity. Otherwise, no interest is paid.
| Type of product: |
Growth |
| Underlying: |
FTSE 100 Index |
| Return: |
Potential interest of 10.50%, paid at maturity |
| Maximum Return: |
10.50% |
| Capital at risk? |
No |
|
| Term: |
2 years |
| Counterparty: |
Royal Bank of Canada |
| Summary Risk Indicator: |
2 |
| Closing date: |
29 May 2026 |
|
Potential interest of 33.40% (5.57% p.a.), paid if the FTSE 100 closes at or above 80% of its Start Level at maturity. Otherwise, the minimum interest of 16.70% (2.78% p.a.) is paid.
| Type of product: |
Growth |
| Underlying: |
FTSE 100 Index |
| Return: |
Maximum: 33.40% | Minimum: 16.70% |
| Maximum Return: |
33.40% |
| Capital at risk? |
No |
|
| Term: |
6 years |
| Counterparty: |
Royal Bank of Canada |
| Summary Risk Indicator: |
2 |
| Closing date: |
19 Jun 2026 |
|
Opportunity for a return equal to 9.4% p.a. and early maturity, depending on the performance of the FTSE 100 and EURO STOXX 50. Capital is at risk if either index closes below 65% of its Start Level at maturity.
| Type of product: |
Growth |
| Underlying: |
FTSE 100 Index and EURO STOXX 50 Index |
| Return: |
Potential 9.4% p.a. for each year that's passed since the Start Date (paid at maturity) |
| Kick Out Barrier: |
90% |
| Capital at Risk Barrier: |
65% European |
|
| Term: |
5 years |
| Counterparty: |
Natixis |
| Summary Risk Indicator: |
4 |
| Closing date: |
30 Jun 2026 |
|
Fixed monthly income payments of 0.50% (6% p.a.). Capital at risk if the FTSE 100 closes below 65% of its Start Level at maturity.
| Type of product: |
Income |
| Underlying: |
FTSE 100 Index |
| Income: |
0.50% per month (6% p.a.) fixed. |
| Income Barrier: |
N/A |
| Kick Out Barrier: |
N/A |
| Capital at Risk Barrier: |
65% European |
|
| Term: |
6 years |
| Counterparty: |
Morgan Stanley |
| Summary Risk Indicator: |
3 |
| Closing date: |
03 Jul 2026 |
|
Opportunity for a return equal to 10.40% p.a. and early maturity, depending on the performance of the FTSE 100 and EURO STOXX 50. Capital is at risk if either index closes below 65% of its Start Level at maturity.
| Type of product: |
Growth |
| Underlying: |
FTSE 100 Index and EURO STOXX 50 Index |
| Return: |
Potential 10.40% p.a. for each year that's passed since the Start Date (paid at maturity) |
| Kick Out Barrier: |
100% | 100% | 95% | 85% |
| Capital at Risk Barrier: |
65% European |
|
| Term: |
5 years |
| Counterparty: |
Morgan Stanley |
| Summary Risk Indicator: |
5 |
| Closing date: |
03 Jul 2026 |
|
Opportunity for a return equal to 10% p.a. and early maturity, depending on the performance of the S&P 500 and EURO STOXX 50. Capital is at risk if either index closes below 65% of its Start Level at maturity.
| Type of product: |
Growth |
| Underlying: |
S&P 500 Index and EURO STOXX 50 Index |
| Return: |
Potential 10% a year that's passed since the Start Date, paid when the Plan matures |
| Kick Out Barrier: |
105% | 105% | 100% | 95% | 90% | 85% | 70% |
| Capital at Risk Barrier: |
65% European |
|
| Term: |
7 years |
| Counterparty: |
Credit Agricole |
| Summary Risk Indicator: |
5 |
| Closing date: |
03 Jul 2026 |
|
