Structured Product

BCP/Societe Generale 3.20% AER 3 Year Deposit

BCP is delighted to launch the new BCP/Societe Generale 3.20% AER 3 Year Deposit, a market leading deposit that pays deposit interest of 3.20% at the end of years 1 to 3. The credit ratings for Societe Generale are strong at A (Fitch), A (S&P) and A1 (Moody's).

Key Features

  • 3.20% Fixed deposit interest paid out at the end of years 1 to 3
  • Deposit with 100% Capital Security at maturity from Societe Generale
  • Liquidity available in normal market & funding conditions (capital security does not apply and subject to an administration charge)
  • Deposit interest paid out in July each year
  • 3 year term
  • Societe Generale is one of Europe’s largest retail banks, with a market capitalisation of €19.36 billion
  • Available to Credit Unions, Charities, Pensions, Religious Orders, Corporates, Friendly Societies, Individuals and has been submitted for approval on the Aviva SDIO Platform 
  • Minimum Investment is €250,000 for Credit Unions; €100,000 for Corporates, Charities, Pensions, Religious Orders and Friendly Societies; and €50,000 for Individuals
  • Closing Date is 26th June 2023 

*Deductions for fees and charges are not made uniformly throughout the life of the Deposit, but are loaded onto the early period. If you withdraw from the Deposit in the early period this will impact on the value you will receive.

Corporates, Charities, Pensions, Religious Orders, Friendly Societies and Individuals must complete the relevant BCP Application Form

Product Downloads

Warning: If you withdraw before 29th June 2026, capital security will not apply to the portion of your investment being withdrawn. The  withdrawal value may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If Societe Generale were to default, you could lose some or all of your investment and potential interest. Warning: Your investment is not covered by any Deposit Guarantee Scheme.

COOLING OFF PERIOD

Clients are unable to cancel their application to invest in the deposit once a signed application is received by BCP. This is regardless of whether BCP has received funds at that time or not and regardless of whether the original application has been received or it is received in electronic form. If BCP has not received funds with the application, clients are obliged to send the funds to BCP by the closing date. A cooling off will apply if your investment is subject to the provisions of the Distance Marketing Regulations.

AER is Annual Equivalent Rate. Credit ratings correct as of May 2023.

BCP 100% Protected 3 Year Euro Stoxx 50 Bond

BCP is delighted to launch the new BCP 100% Protected 3 Year Euro Stoxx 50 Bond, a capital secure bond that provides exposure to the performance of the 50 largest companies among the 19 supersectors in the Eurozone with 100% capital protection at maturity.

Key Features

  • Access a benchmark Index with attractive return potential and 100% capital security at maturity
  • Capital Security of 100% provided at maturity by Goldman Sachs Finance Corp International Ltd., the Issuer of the Certificate and guaranteed by The Goldman Sachs Group (GSG). Credit Ratings: A2 (Moody’s) / BBB+ (Standard & Poor’s) / A (Fitch)
  • Return of 15.0% (CAR 4.8%) if the Index is at or above its Initial Index Level at the Final Valuation Date
  • Underlying Index is the Euro Stoxx 50 Index 
    • Represents the performance of the 50 largest companies among the 19  supersectors in the Eurozone
    • One of the most liquid indices for the Eurozone: serves as the underlying for financial products (options, futures, ETFs) and for benchmarking purposes
  • The Sustainable Finance Disclosure Regulations (SFDR) do not apply to this product (see section on Your Investment and ESG on page 9 of the brochure)
  • Investment term 3 years (Liquidity available in normal market and funding conditions. Capital security does not apply and subject to an administration charge.)
  • Available to Personal, Pension, ARF, PRB, PRSA, SSAP, Charity, Religious Order and Corporate Investors
  • Minimum Investment €20,000 (Increments of €1,000)
  • Reduced minimum investment of €10,000 where the investment is completed in full through vespro.bcp.ie
  • Closing Date 16th June 2023

Product Downloads

Warning: If you encash before 30th June 2026, capital security will not apply to the portion of your investment being encashed. The encashment amount may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If the Goldman Sachs Group were to default, you will lose some or all of your investment and potential returns. Warning: Current Irish taxation legislation does not allow for a clear categorisation of this product as being subject to Income Tax. There is a risk an alternative taxation basis may apply.

IMPORTANT: All investment returns will be paid gross of tax.  ARF is Approved Retirement Fund. PRB is Personal Retirement Bond. PRSA is Personal Retirement Savings Account. SSAP is Small Self-Administered Pension. CAR is Compound Annual Return. Credit ratings correct as of May 2023. Source: Bloomberg

BCP Protected Multi-Asset Kick Start Bond 3

BCP is delighted to launch the new BCP Protected Multi-Asset Kick Start Bond 3, a capital secure bond that provides 100% capital protection at maturity and 185% Participation in the positive Index Performance added to the initial investment amount.

Key Features

  • 100% Capital Security at maturity and 185% Participation in the positive Index Performance added to the initial investment amount. Where the Index performance is -5% or less at the end of the 5 year investment term, 100% of the capital invested will be returned.
  • The Bond includes a Kick Start feature. This means that for the purposes of calculating Bond performance 5% is  automatically added to Index performance before the participation rate of 185% is applied. This is effectively a 9.25% (5% x 185% Participation) kick start to the Bond performance. See page 12 of the brochure for more details.
  • Underlying Index is the Goldman Sachs Global Diversified Multi-Asset 5% Series 2 Index
  • Capital Security of 100% provided at maturity by Goldman Sachs Finance Corp International Ltd., the Issuer of the Certificate and guaranteed by The Goldman Sachs Group (GSG). Credit Ratings: A2 (Moody’s) / BBB+ (Standard & Poor’s) / A (Fitch)
  • The Sustainable Finance Disclosure Regulations (SFDR) do not apply to this product (see section on Your Investment and ESG on page 8 of the brochure) 
  • Investment term 5 years (Liquidity available in normal market and funding conditions. Capital security does not apply and subject to an administration charge.)
  • Available to Personal, Pension, ARF, PRB, PRSA, SSAP, Charity, Religious Order and Corporate Investors
  • Minimum Investment €20,000 (Increments of €1,000)
  • Reduced minimum investment of €10,000 where the investment is completed in full through vespro.bcp.ie
  • Closing Date 21st July 2023

Product Downloads

Warning: If you encash before 4th August 2028, capital security will not apply to the portion of your investment being encashed. The encashment amount may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If the Goldman Sachs Group were to default, you will lose some or all of your investment and potential returns. Warning: Current Irish taxation legislation does not allow for a clear categorisation of this product as being subject to Income Tax. There is a risk an alternative taxation basis may apply.

IMPORTANT: All investment returns will be paid gross of tax. This marketing material has been produced by BCP, who are solely responsible for its contents. Goldman Sachs Finance Corp International Ltd has had no involvement in the production of this document and accept no responsibility for the accuracy or otherwise of the information set out in this document. ARF is Approved Retirement Fund. PRB is Personal Retirement Bond. PRSA is Personal Retirement Savings Account. SSAP is Small Self-Administered Pension. The lower minimum investment amount may attract clients with limited investment experience and/or lower investible assets. BCP recommends that when you are providing advice to these clients you take extra care to assess the client’s capacity for loss, attitude to risk, emergency fund requirements and future expenses.

BCP/NatWest 3.81% AER 5 Year Deposit (Issue 3)

BCP is delighted to launch the new BCP/NatWest 3.81% AER 5 Year Deposit. This market leading deposit pays deposit interest of 4.0% at the end of years 1 to 4, and 3.00% at the end of year 5. The credit ratings for NatWest are strong at A+ (Fitch), A (S&P) and A1 (Moody's). 

Key Features

  • 4.0% Fixed Deposit Interest paid out at the end of years 1 to 4
  • 3.00% Fixed Deposit Interest paid out at the end of year 5
  • 5 year Fixed Deposit which pays 3.81% AER
  • Deposit with capital security at maturity from NatWest Markets N.V.
  • Deposit Interest paid out in June each year
  • Liquidity available in normal market and funding conditions* (capital security does not apply and subject to an administration charge)
  • NatWest Markets N.V. Deposit Credit Ratings: Fitch A+ (Stable), Moody’s A1 (Stable) and S&P A (Stable)
  • Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders, Friendly Societies and submitted for approval on the Aviva SDIO platform
  • Minimum investment is €250,000 for Credit Unions and €100,000 for Other Investors
  • Closing date is 21st June 2023

*Deductions for fees and charges are not made uniformly throughout the life of the Deposit, but are loaded onto the early period. If you withdraw from the Deposit in the early period this will impact on the value you will receive.

Corporates, Charities, Pensions, Religious Orders, and Friendly Societies must complete the relevant BCP Application Form

Product Downloads

Warning: If you withdraw before 23rd June 2028, capital security will not apply to the portion of your investment being withdrawn. The withdrawal value may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If NatWest Markets N.V. were to default, you could lose some or all of your investment and potential interest. Warning: Your investment is not covered by any Deposit Guarantee Scheme.

COOLING OFF PERIOD

Clients are unable to cancel their application to invest in the deposit once a signed application is received by BCP. This is regardless of whether BCP has received funds at that time or not and regardless of whether the original application has been received or it is received in electronic form. If BCP has not received funds with the application, clients are obliged to send the funds to BCP by the closing date. A cooling off will apply if your investment is subject to the provisions of the Distance Marketing Regulations.

AER is Annual Equivalent Rate. Credit ratings correct as of May 2023.