Investment Management

A wide range of services where you can choose your level of involvement in managing your investments. You can make all the investment decisions yourself and simply give us your instructions, you can access our expert advice for your portfolio or entrust the decisions to your dedicated investment managers.
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As an independent investment manager, not tied to any funds, products or large institutions, we offer you transparency and flexibility to ensure that your objectives are met efficiently and successfully.

UK Defensive Step Down Kick-out Plan (CT138)

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When you invest in the UK Defensive Step Down Kick-out Plan (CT138), you may receive an accumulated return of 6% for each year of your investment depending on the performance of the FTSE 100 Index.

The Plan has the potential to mature early (kick-out) on an Anniversary Date if the FTSE 100 Index is at or above a predetermined kick-out level.

The required kick-out level reduces each year from the fifth anniversary, and annually thereafter. The required Final Index Level is 65% of the Initial Index Level.

Capital is at risk if the Index closes below 65% of its Initial Index Level on the Investment End Date.
You could lose some or all of your Initial Investment.

Overview

Investment Term: up to seven years
Potential return of 6% per annum, payable on maturity
Possible kick-out from year three, and annually thereafter
Kick-out level reduces each year from the fifth anniversary, and annually thereafter
Final Index Level: 65% of Initial Index Level
Counterparty is Citigroup Global Markets Ltd, which holds an 'A+' credit rating from Standard & Poor's
Invest from £10,000 (£5,000 for a Junior ISA)

Key dates

ISA/ JISA transfer deadline

29 August 2025 (Stocks & Shares and Cash)

Application deadline

12 September 2025

Investment start date

19 September 2025

Anniversary dates

19 September 2028, 19 September 2029, 19 September 2030 and 19 September 2031

Investment end date

20 September 2032

Important change

The bank account details for funding our Investment Plans by bank transfer have changed.
Please see ‘Funding the investment’ on page one of the appropriate application form.
(this change does not apply to any of our Deposit Plans)

Product material

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