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Arcus UK Income Plan: November 2022 (CA01)

Type of product Income
Type of return Investment
Investment term 6 years
Underlying FTSE 100 Index
Counterparty   Credit Agricole
Promoter Arcus
UKSPA product code   1290 - Conditional Income
Summary Risk Indicator   4
Income   Potential 1.825% per quarter (7.30% p.a.)
Income Barrier   80%
Kick Out Barrier   100%
Capital at Risk Barrier   60% European
S&P Rating A+ (stable outlook)
Fitch Rating AA- (stable outlook)
Moody's Rating Aa3 (stable outlook)
Important Dates  
Closing Date ISA Transfer Date Strike Date Maturity Date
28/10/2022 14/10/2022 04/11/2022 06/11/2028
Possible Early Maturity Dates   Quarterly, from the end of the second year onwards.
Description On quarterly dates during the term (the 'Income Dates'), investors will receive income of 1.825% (7.30% p.a.) if the FTSE 100 closes at or above 80% of its Start Level.

On the Income Dates from the end of the second year onwards, the Plan will also mature early and repay the Amount Invested (plus any previously missed income payments) if the FTSE 100 closes at or above 100% of its Start level.

If the Plan matures early, capital is repaid in full. However if the Plan continues for the full term, capital is at risk:
  • If the FTSE 100 closes at or above 80% of its Start Level at maturity, investors receive the final income payment, and capital is repaid in full
  • If the FTSE 100 closes at or above 60% of its Start Level at maturity, capital is repaid in full
  • If the FTSE 100 closes below 60% of its Start Level at maturity, investors will make a loss. They will lose 1% for every 1% fall in the FTSE 100 from its Start Level.

Contract Details

  Cash ISA Equity ISA Direct ISA Transfer SIPP
Availability
Minimum contribution n/a £3,000 £3,000 £3,000 £3,000
* Credit ratings are correct as of 01 Sep 2022. ** Minimum contributions do not include any applicable adviser charges. † This plan is available for investment through third party SIPP Providers. 

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