Key info
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CounterpartySociete Generale
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TaxationCapital Gains
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Maximum Term3 years
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Minimum investment£3,000
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Potential Return16% p.a.
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Moneyworld Fee0.5%
Overview
The Arcus 3Y Three Stock Defensive Lock In Kickout Plan is a maximum 3 year investment which offers potential growth payments dependent on the performance of the underlying stocks.
The potential return
Whether or not you receive a return depends on the performance of the stocks – specifically, Nike Inc, NVIDIA Corp and Tesla Inc.
Every three months during the term from the end of the first year onwards (the ‘Early Maturity Dates’), the closing level of each stock will be checked to see if it is above the Lock In Level. The Lock In Level decreases every three months – please see the diagram on page 9 of the brochure for details on the levels throughout the term.
The Plan will mature and pay the return once all three stocks have closed above the Lock In Level. The stocks do not have to close above the Lock In Level on the same Early Maturity Date.
Once the third and final stock closes above the Lock In Level:
– The Plan ends automatically
– You get back your Amount Invested
– You receive a lump-sum return
If one or more of the stocks fail to close above the Lock In Level at any point, you will not receive any return.
How is the return is calculated?
The return is calculated as 16% of your Amount Invested for each year from the Start Date to the point that the finalstock closes above the Lock In Level. The return is calculated on a simple basis and is not compounded.
If the final stock closes above the Lock In Level part way through a year, the return will be calculated proportionately.
For example: If all three stocks close above the Lock In Level on the first Early Maturity Date (which is one year after the Start Date), you would receive:
– 16% return (16% times one year)
If two stocks close above the Lock In Level in the first year, and the third stock closes above the Lock In Level after two and a half years, you would receive:
– 40% return (16% times 2 and a half years)
If one or more stocks never close above the Lock In Level, you would receive:
– 0% return
What could I receive when the plan matures?
If there is no early maturity, the amount you will get back at maturity will depend on the performance of the Stocks from their levels on the Start Date (the ‘Start Levels’) to their levels on the Final Maturity Date (the ‘Final Levels’).
– If all three stocks close at or above 50% of their Start Levels on the Final Maturity Date, you will receive the return of 48% and will be repaid your Amount Invested in full.
– If one or more of the stocks closes below 50% of its Start Level on the Final Maturity Date (and has not previously closed at or above the Lock In Level on an Early Maturity Date), you will make a loss. You will receive no return and the repayment of your Amount Invested will be reduced by 1% for every 1% fall in the worst performing stock. Please see below for examples of how much you could lose.
SG Issuer, guaranteed by Societe Generale. If the Issuer becomes insolvent, you could lose a significant proportion of the Amount Invested and any return due, regardless of how the Stocks perform.
Important dates
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Closing date19 August 2026
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ISA Transfer Closing date7 August 2026
More information
This product is an unsecured debt instrument governed by English law. This product tracks the value of a Preference Share issued by Mapleis which is linked to the Underlying.
Société Générale
This product is designed to provide a return when the product is redeemed (either at maturity or when redeemed early). It is possible for the product to be automatically redeemed early based on pre-defined conditions. If the product is not redeemed early, both the return and the capital redemption amount will be linked to the performance of the underlyings. Your capital will be fully at risk when investing in this product.
The Reference Underlying is the Underlying with the lowest observed level on the relevant observation.
For each individual Underlying, a Trigger Event occurs if the Underlying has been observed at or above the Early Redemption Barrier applicable on the Early Redemption Observation Date (or at or above the Capital Barrier on the Final Observation Date).
Automatic Early Redemption
On any Early Redemption Observation Date, if a Trigger Event has occurred on each Underlying since the product’s inception (not necessarily at the same time), the product will be redeemed early and you will receive, on the Early Redemption Payment Date:
100% of the Nominal Value plus the Early Redemption Return.
Final Redemption
On the Maturity Date, provided that the product has not been redeemed early, you will receive a final redemption amount.
– If a Trigger Event has occurred on each Underlying since the product’s inception (not necessarily at the same time) you will receive:
100% of the Nominal Value plus the Final Return
– Otherwise, you will receive the Final Level of the Reference Underlying multiplied by the Nominal Value. In this scenario, you will suffer a partial or total loss of your invested amount.
Additional Information
– The level of each Underlying corresponds to its value expressed as a percentage of its Initial Value.
– The Initial Value of each Underlying is its value observed on the Initial Observation Date.
– The Final Level is the level of the Reference Underlying observed on the Final Observation Date.
– Return is expressed as a percentage of the Nominal Value.
– Extraordinary events may lead to changes to the product’s terms or the early termination of the product and could result in losses on your investment.
– The product is available through a public offering during the applicable offering period in the following jurisdiction(s): United Kingdom
The product is aimed at investors who:
– Have specific knowledge or experience of investing in similar products and in financial markets, and have the ability to understand the product and its risks and rewards.
– Seek a product offering capital growth and have an investment horizon in line with the recommended holding period stated in the key information document.
– Are able to bear total loss of their investment and accept the risk that the Issuer and / or Guarantor could fail to pay the capital and any potential return.
– Are willing to accept a level of risk to achieve potential returns that is consistent with the summary risk indicator shown in the key information document.
How do i invest?
Online Applications
Click Apply Online and follow the onscreen instructions (this option is not available for ISA Transfers)
Email Applications – Print and complete our Appropriateness Assessment Form & Application Form and email this to admin@moneyworld.com
Please read about ID Verification & Payment Details
Postal Applications – Print and complete our Appropriateness Assessment Form & Application Form and post these along with any cheque’s to;
Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.
What are the risks?
This is a list of the general risks associated with investing in structured investment products, please read the plan brochure and key information document for your chosen product to fully understand the risks.
Market Risk: In the event of a global economic recession this may result in financial markets weakening significantly. Political or climatic events can also cause disruption to the markets. Economic policies, tax rates or interest rates are subject to change and can influence the performance of the Underlying Asset.
Early Redemption Risk: The actual risk can vary significantly. If you cash in at an early stage you may get less Initial Capital back. You may not be able to sell your Plan easily or have to sell at a price that will impact how much return you get back.
Inflation Risk: The value of your investment and any returns you may qualify for are not linked to inflation. If inflation is high over the term of the Plan, the real value of the Plan may decrease thus affecting the real value of any returns you may receive.
Counterparty Risk: By investing in this Plan you take a possible credit risk with the Counterparty. The Counterparty will be responsible for the payment of any return of capital and income payments due from the Investment. In the event of bankruptcy or payment default by the Counterparty you may be exposed to partial or total loss of capital and you would not be entitled to compensation from the Financial Services Compensation Scheme (FSCS).
Liquidity Risk: The Issuer of the Securities aims to provide but cannot guarantee a secondary market for the Securities during the investment term. However, certain market circumstances may have a negative impact on the liquidity of the Securities and result in the partial or total loss of your initial capital invested.
Structured investment products FAQs
Structured Products are designed to be held to the end of the fixed term, it is possible to cash in the plan early however you could get back less than you originally invested.
Your application should be sent to us and not the Structured product provider, forms can be returned to admin@moneyworld.com or by post to – Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG. The application should arrive with us before the advertised closing date for your chosen plan.
The payment can be made by bank transfer direct to the plan manager or by cheque, details of where to send the funds or who the cheque should be made payable to are usually included on the application form for your chosen plan. If you’re still unsure then get in touch with us and we’ll provide details.
The company that you invest with will issue a cancellation notice once they have received and processed your application. This will give you 14 days in which to cancel the application if you decide not to proceed.
However if you cancel the plan after it has started it is possible that you will receive back less than your original investment, irrespective of whether you cancel within the 14 day period or not.
When the plan ends you will be contacted by the company that holds your investment and will usually be given the following options;
– Re-invest into a new product with the same company if they have one available at the time
– Request that they return the proceeds in full to you (any ISA funds returned will lose their ISA status)
– Re-invest part of the money into a new plan and encash the rest
– If the plan is held as an ISA you also have the option of transferring the funds to another company to retain the ISA status
There are a number of websites available that provide historical index levels, links to some of these are provided below;
Yahoo Finance
Investing.com
Bloomberg
If you require historical information for previous issues of the plan you are investing in then this can generally be found on the website of the company that administers the plan.
The fee can be paid direct to us or by specifying on the application form that the fee is to be deducted from your investment. If you prefer to pay us directly you can do this by cheque or bank transfer. If posting an application please either enclose a cheque payable to Moneyworld or indicate that the fee is to be paid directly and we will provide account details once we have processed your application.
If you’re emailing your form and haven’t indicated that the fee is to be deducted from the investment, we’ll assume you’re paying by bank transfer and will provide account details when we acknoweldge receipt of your application.
A Structured Product is a fixed term product which usually runs for between 2-10 years. The return of your original capital and any income/growth payments are usually dependant on the performance of either a basket of shares or more commonly a specific index such as the FTSE 100.
There are two types of Structured Products available:
♦ Investment based
♦ Deposit based
Investment based: At the end of the term, you receive the product return from the company that holds the investment plus a return of capital, providing certain criteria has been met.
The product is issued in association with a third party, known as a ‘counterparty’ who provide the returns and the guarantees. If this third party goes bankrupt, you could lose some or all of your money. This type of product does not benefit from Financial Services Compensation Scheme protection
Deposit based: Deposit based plans are similar to Structured Investment Products, however UK investors may benefit from the Financial Services Compensation Scheme’s (FSCS) deposit insurance scheme, subject to certain limits.
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Have a query?
Get in touch with the team.
Call us on 01494 443806
We’re here 9.00am - 5.30pm
Monday to Friday
Sign up for structured product updates
Have a query?
Get in touch with the team.
Call us on 01494 443806
We’re here 9.00am - 5.30pm
Monday to Friday