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Arcus 3Y UK, US & Europe Defensive 65 Growth Plan (CIBC14)

Type of product Growth
Type of return Investment
Investment term 3 years
Underlying FTSE 100 Index, S&P 500 Index & EURO STOXX 50 Index
Counterparty   CIBC
Promoter Arcus
UKSPA product code   1270 - Digital
Summary Risk Indicator   5
Return   Potential 25.50%, paid when the Plan matures
Maximum Return   25.50%
Capital at Risk Barrier   65% European
S&P Rating A+ (Stable Outlook)
Fitch Rating AA (Stable Outlook)
Moody's Rating Aa2 (Stable Outlook)
Important Dates  
Closing Date ISA Transfer Date Strike Date Maturity Date
13/03/2026 03/03/2026 20/03/2026 20/03/2029
Possible Early Maturity Dates   N/A
Description This Plan offers a potential lump sum return of 25.50%, paid at maturity and depending on the performance of the FTSE 100, S&P 500 and EURO STOXX 50 Indexes:
  • If all three indexes close at or above 65% of their Start Levels at maturity, investors receive the fixed return of 25.50% and the repayment of their Amount Invested in full.
  • If any of the indexes close below 65% of their Start Levels at maturity, investors receive no return and the repayment of their Amount Invested will be reduced by 1% for every 1% fall in the worst performing index 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 correct as of 11 February 2026. ** Minimum contributions do not include any applicable adviser charges. † This plan is available for investment through third party SIPP Providers. 

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