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 Conditional Income Plan (CA123)

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When you invest in the UK Conditional Income Plan (CA123), you could potentially receive quarterly income payments of 1.50% for each quarter that has elapsed (equivalent to 6% per annum) since the Investment Start Date.

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

Overview

Investment Term: up to six years
Potential income of 1.50% per quarter (equivalent to 6% per annum)
Counterparty is Credit Agricole CIB, which holds an 'A+' credit rating from Standard & Poor's
Invest from £10,000 (£5,000 for JISA)

Key dates

ISA/ JISA transfer deadline

8 August 2025 (Stocks & Shares and Cash)

Application deadline

22 August 2025

Investment start date

29 August 2025

Observation dates

Income observation dates

15 December 2025,
16 March 2026, 12 June 2026, 15 September 2026, 14 December 2026,
15 March 2027, 15 June 2027, 14 September 2027, 13 December 2027,
14 March 2028, 13 June 2028, 12 September 2028, 13 December 2028,
14 March 2029, 12 June 2029, 12 September 2029, 13 December 2029,
14 March 2030, 12 June 2030, 12 September 2030, 13 December 2030,
14 March 2031, 12 June 2031, 12 September 2031

Investment end date

29 August 2031

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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