Causeway Securities Credit Agricole 8 Year Fixed Return Plan

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New capital protected investment: Fixed Return of 7.1% pa, if the plan ends early or runs full term…

You know at the start of the plan that at some point during the 8 year term you will receive a fixed return of 7.1% multiplied by the number of years invested, plus have the peace of mind your initial capital will be repaid in full when the plan matures

Oliver Roylance-Smith

Head of Savings and Investments

This new plan from Causeway Securities contains a feature which means it can be ended early each year, from the end of year 2 onwards should the counterparty Credit Agricole decide. If this happens, you will receive 7.1% for each year invested along with a return of your initial capital.

If the plan is not called early and the plan runs for the full 8 year term, then the return is again equivalent to 7.1% pa, a total of 56.8%

Therefore no matter when this plan matures, either early, or at full term you have the security of knowing you will receive a fixed return equivalent to 7.1% pa, plus the full return of your initial capital.

By offering a high fixed growth return, not conditional on any underlying index, combined with full capital protection, this plan offers something different to any other growth investments currently on the market.

Important Information: Although this is a capital protected structured investment plan, it is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Plan Details

Fixed growth return: 7.1% times the number of years invested

Plan can be ended early by the Issuer Credit Agricole from the end of year 2 onwards

If plan not ended early and runs full term, a unconditional fixed return of 56.8% is paid (equivalent to 7.1% pa)

Capital Protected Product

Not eligible for the Financial Services Compensation Scheme

Available for Stocks & Shares ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 8 Years

Arrangement fee applies

Minimum single investment: £10,000

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments

Deadlines

ISA Transfer Applications: 5 December 2023
Direct & ISA Applications: 19 December 2023

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

Causeway Securities Credit Agricole 8 Year Fixed Return Plan December 2023

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Regular contributions	E.g. £100 a month investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £3 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund). The trail commission is included within the standard charging structure of the investment.
Structured products	Not applicable as regular contributions are not permitted
Venture Capital Trusts (VCTs)	Not applicable as regular contributions are not permitted
Savings Accounts	Accounts pay either initial commission (up to 1.2%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £1.20 initial commission, or £4.80 trail commission in year two and so on (actual amount will vary in line with the value of your savings account).

Lump sum investment	E.g. £30,000 investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £90 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund) The trail commission is included within the standard charging structure of the investment.
Structured products	Initial commission of up to 3%, so Fair Investment Company will receive £900. This commission will be paid directly to us by the product provider and is taken into account within the standard charging structure of the product. Where no commission is paid by the product provider our introductory fee will be taken as an initial charge from your investment. This introductory fee will be no more than 3% of the amount invested. No annual trail commission will be payable.
Venture Capital Trusts (VCTs)	Initial commission of up to 2.5% plus up to 0.5% of your current fund value or initial investment each year, so up to £750 initial commission plus £150 trail commission in year two and so on (the actual amount in later years may vary in line with the value of the your investment). Please refer to the individual securities note for how the initial commission is paid. Unless we tell you otherwise, the trail commission is paid to us directly by the investment manager and is included within the standard charging structure of the investment.
Savings Accounts	Accounts pay either initial commission (up to 0.3%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £90 initial commission or £120 trail commission in year 2 and so on (actual amount will vary in line with the value of your savings account).