Hop Investing UK Daily 95 Kick Out Deposit Plan – July 2024 – SO8712

Key info

  • Counterparty
    Societe Generale
  • Taxation
  • Maximum Term
    5 years
  • Minimum investment
  • Potential Return
    5.00% p.a.
  • Moneyworld Fee


The Hop Investing UK Daily 95 Kick Out Deposit Plan is a maximum 5 year and 3 week investment that offers the potential return below, subject to the performance of the FTSE 100 Index.

The plan starts on the Start Date and is measured on each business day from the end of year 3. On a Measurement Date, if the level of the Index is at  or above 95% of its Start Level, the plan will end and pay Interest. This is called a Kick Out and the barrier level is called the Kick Out Barrier.

If a Kick Out happens, the amount of Interest payable will depend on how long the plan has run in years. This is calculated by:

1. …counting the number of days elapsed since the Start Date,

2. …dividing by 365,

3. …then multiplying by 5.00% of the money invested.

Customers will get all their invested money back on a Kick Out; or, at the End Date regardless of the performance of the Index.

The Counterparty to this plan is Societe Generale in its capacity as deposit taker, acting through its London branch.

Important dates

  • Closing date
    24 July 2024
  • ISA Transfer Closing date
    5 July 2024

More information

This product is a structured deposit governed by English law.

Société Générale, http://kid.sgmarkets.com

This product is designed to provide a conditional coupon upon  redemption. It is possible for the product to be automatically  redeemed early based on pre-defined conditions. If the product is not redeemed early, the coupon will be linked to the performance of the Reference Underlying. The product provides full capital  protection at maturity only


Provided that the product has not been previously redeemed  early: – If the level of the Reference Underlying is observed at or  above the Early Redemption Barrier on any day during the Early  Redemption Observation Period, you will receive on the payment date: The Early Redemption Coupon, divided by 365 and  multiplied by the number of days elapsed between the last Initial  Observation Date (included) and the corresponding early redemption observation date (excluded).

Automatic Early Redemption

If the level of the Reference Underlying is observed at or above  the Early Redemption Barrier on any day during the Early  Redemption Observation Period, the product will be redeemed  early and you will receive 100% of the Nominal Value.

Final Redemption On the Maturity Date, provided that the  product has not been redeemed early, you will receive a final  redemption amount.

– If the Final Level of the Reference Underlying is at or above the  Final Barrier, you will receive:

(1) 100% of the Nominal Value, plus

(2) The Final Coupon

Observation Date.

– Otherwise, you will receive 100% of the Nominal Value.

Additional Information

– The level of the Reference Underlying corresponds to its value  expressed as a percentage of its Initial Value.

– The Initial Value of the Reference 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.

– Coupons are 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 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 with full capital  protection and have an investment horizon in line with the  recommended holding period stated in the key information document.

– Are able to bear a total loss of their investment and any  potential return in case of default of the Issuer and / or  Guarantor.

– Understand that the minimum reimbursement only applies at  maturity and they could receive less than this amount if the  product is sold beforehand.

– 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?


Print and complete our Appropriateness Assessment Form

Please read about ID Verification & Payment Details


Print and complete the application form


Send your documents to admin@moneyworld.com or post 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 deposit 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:  You should be prepared to hold the Deposit Plan to Maturity. It may be possible, subject to normal market conditions to withdraw from the Deposit Plan before the Maturity Date.  If you decide to encash the Deposit Plan early, you may not get back your Initial Capital

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:  In the event that the Plan Administrator collapses, becomes bankrupt or goes into liquidation and cannot fulfil their  obligations to you or return your investment, you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Deatils of the FSCS and current limits can be found at https://www.fscs.org.uk/

Liquidity Risk: In the event you need to withdraw from the Deposit Plan you may do so, subject to liquidity risks, by giving notice to that effect to  the Deposit Plan Administrator. You may receive back less than you originally invested in the Deposit Plan, especially in stressed market conditions. The amount you receive will depend on a number of factors and there will also be costs incurred for breaking the funding arrangements entered into in relation to your Deposit.  You should have other savings that you can access immediately to meet any emergency cash needs.

Structured Deposit 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

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.

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

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