| Type of product | Growth | |||||||||
| Type of return | Investment | |||||||||
| Investment term | 5 years | |||||||||
| Underlying | FTSE 100 Index, S&P 500 Index & EURO STOXX 50 Index | |||||||||
| Counterparty | Morgan Stanley | |||||||||
| Promoter | Arcus | |||||||||
| UKSPA product code | 1260 - Kick Out | |||||||||
| Summary Risk Indicator | 5 | |||||||||
| Return | Potential 7.65% p.a. for each year that's passed since the Start Date (paid at maturity) | |||||||||
| Kick Out Barrier | Reduces from 100% in Y2 to 60% in Y5 | |||||||||
| Capital at Risk Barrier | 60% European | |||||||||
| S&P Rating | A+ (Stable outlook) | |||||||||
| Fitch Rating | A+ (Stable outlook) | |||||||||
| Moody's Rating | A1 (Stable outlook) | |||||||||
| Important Dates |
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| Possible Early Maturity Dates |
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| Description | There are set dates during the term ('Early Maturity Dates') when investors might receive a return. If the FTSE 100, S&P 500 and EURO STOXX 50 close at or above the required level on one of these dates (please see brochure for details), the Plan will mature early and repay the Amount Invested, together with a fixed return equal to 7.65% p.a. for each year that has passed since the Start Date (not compounded). If there is no early maturity and all three indexes close below 60% of their Start Levels on the Maturity Date, the investment will have earned no return. If the Plan matures early, capital is repaid in full. However, if the Plan continues for the full term, capital is at risk:
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Contract Details
| Cash ISA | Equity ISA | Direct | ISA Transfer | SIPP | |
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| Availability |  |
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| Minimum contribution | n/a | £3,000 | £3,000 | £3,000 | £3,000 |
| * Credit ratings correct as of 11 December 2025. ** Minimum contributions do not include any applicable adviser charges. † This plan is available for investment through third party SIPP Providers. |
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