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The information given in this product review has been taken from the product terms and conditions, brochure, and other literature available from the product provider. No guarantee can be made to the accuracy of the information. You should therefore satisfy yourself as to the full terms and risks of any investment by reference to the relevant materials provided by the product provider. Please request these documents using the buttons on the left of the page.
Potential for maturity and a 5.55% interest for each year held, triggered on the fourth, or subsequent anniversary where the FTSE 100 Index closes at, or above a reducing reference level.
Product Type:
Deposit Based
Investment Type:
Auto-Call / Kick-Out
Product Index Link:
FTSE 100 Index
Potential FSCS Protection:
Yes
Capital at Risk Barrier Type:
Not Applicable (Structured Deposit)
Maximum Term:
5 years max.
Barrier Level:
N/A
Downside:
N/A
Important Dates:
Closing Date *
ISA Transfers
Strike Date
Maturity Date
23/04/2025
09/04/2025
30/04/2025
15/05/2030
Closing Date *
23/04/2025
ISA Transfers
09/04/2025
Strike Date
30/04/2025
Maturity Date
15/05/2030
Possible Early Maturity Dates:
30/04/2029
* The provider reserves the right to close the product/fund early.
Deposit Taker:
Royal Bank of Canada
The credit ratings provided below can be a useful way to compare the credit risk associated with different Counterparties or Deposit Takers. Credit ratings are assigned by independent companies known as ratings agencies.
This maximum five-year plan features the potential to mature on any of the plan's anniversaries from year four onwards, returning the capital investment in full, plus 5.55% interest for each year the plan has been in force. The plan will mature early in the event that the FTSE 100 Index closes at, or above a Reducing Reference Level. The Reference Level starts at 95% in year four falling to 85% in year five.
If at the end of the term the Final Index Level is more than 15% below the Initial Index Level, no interest will be returned; however, investors' capital should still be returned in full, regardless of the performance of the index during the investment term.
Contract Details
Initial Index Level:
The closing level of the Index on 30 April 2025.
Final Index Level:
The closing level of the Index on 30 April 2030.
Cash ISA
Equity ISA
Direct
ISA Transfer
SIPP **
Availability
Minimum Contribution*
N/A
£3,000
£3,000
£3,000
£3,000
*Note that minimum contributions exclude any applicable adviser charges
**The investment may also be available through third party SIPP Providers
Tax Treatment if held outside Tax Shelter:
The product literature states that under current legislation any growth achieved by this investment at redemption will be subject to Capital Gains Tax rules applicable at that time.
Please note, tax rules and legislation are subject to change at any time.
Capital At Risk Barrier (Subject To Counterparty Solvency)
Barrier Level: N/A.
Downside: N/A
Capital at Risk Barrier Type: Not Applicable (Structured Deposit)
Financial Services Compensation Scheme
The plan's literature states that, in the event that the underlying deposit taker defaults during the term of the contract, investments into the plan may be eligible for compensation as provided by the Financial Services Compensation Scheme (FSCS). The availability of such compensation is, however, dependent upon the investor's eligibility as defined under the terms of the FSCS, and certain investment limits will apply.
Charges
Unless stated otherwise charges do not affect the amount being invested as they have been taken into account in the terms of the investment. So, for every £100 invested, the return, provided the investment is held until maturity, should be £100, plus or minus the gain or loss in accordance with the defined terms. Separate fees may be payable to your adviser, platform or stockbroker for arranging this investment.
The total charges incorporated in the terms of the investment: Approximately 3.05%.
Note that prior to 1 June 2024 this figure in our database was provider charge only
If surrendered early, the value will be dependent on a number of factors and may be less than the original amount invested.
Summary Table
Event
Outcome
Royal Bank of Canada default
=
Return of any capital subject to insolvency proceedings - potential total loss
If not
If on any annual observation date from year four onwards the FTSE 100 Index closes at or above a reducing reference level (see description)
=
Return of invested capital plus a 5.55% gain for each year the plan has been in force
If not
If at the end of the term the FTSE 100 Index is more than 15% lower than its Initial Index Level
=
Return of invested capital only
Fees
Where no advice has been sought or given, our fee for acting as intermediary for this investment is 1.65% of the amount invested, capped at £2,000. For example, on an investment of £25,000 our fee would be £412.50 and for an investment of £125,000 it would be £2,000.
Fee Calculator:
Please enter the value of your investment below to calculate the fee payable.
All investment involves risk and you could lose some or all of the money you invest.
It is imperative that you read the plan brochure and terms and conditions and understand all of the risks involved, which are outlined on page 4, 10 and 11 of the brochure, prior to proceeding. If you do not fully understand the risks, the commitment or you are unsure as to the suitability of the investment for you, you should not proceed but instead contact us via E-mail or
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Please read the plan literature carefully, paying particular attention to all risk warnings, to satisfy yourself that the investment is right for you. Like most investments, this type of plan puts your capital at risk and could result in you losing some, or, in extreme circumstances, such as the counterparty becoming insolvent, all of the money you invest. Such plans are designed for advised investors but this investment may be suitable for you if you understand and accept the risks to capital involved and are investing as part of a balanced and diversified portfolio.
If you choose to invest without a personal recommendation, the investment will be processed on a "Direct Offer" basis i.e. no advice having been sought or given. As a Financial Adviser will not have conducted a review of your financial affairs, we will not be in a position to assess the suitability of the investment for you. As a consequence, we cannot be held responsible or liable if you proceed and you subsequently feel that the investment is not suitable.
Lowes will not charge an ongoing fee or receive any annual commission in respect of this investment. Where no advice has been sought or given, our fee for acting as intermediary for this investment is 1.65% of the amount invested, capped at £2,000. For example, on an investment of £25,000 our fee would be £412.50 and for an investment of £125,000 it would be £2,000.
We will use the information you have provided only to contact you in accordance to terms of this contact form and our privacy policy. We will not use your information for any other purposes as specified by this form unless legally necessary in the course of business. For more information view our Privacy Policy.
