Mariana 10:10 plans . Mariana have just launched the Tax Year End tranche of their 10:10 Plans. This product is now in its sixth year of availability, it has really established itself as a ‘go to’ Investment for many investors, particularly through these difficult times.

We are summarising below the details of this new launch, together with links to each of the Options. We would like to refer you to pages 17 and 18 of the Brochure for full details of the innovative changes that Mariana made last year.

As always this is a limited tranche and it Strikes on the 9^th April.  If you would like to discuss this Plan in more detail please just let us know and we will be happy to help.

Combined with great potential returns, Structured Investments like this allow you to put to one side current media commentary/market nerves and focus on the pre-defined outcomes offered to Investors going forward as things start to return to the new normal.

Couple this with the fact that whole investment process can be completed very simply. There is no need for wet signatures, you can complete each investment with email and scanned documentation plus online Banking. Alternatively you can, of course, post the application to us.

Please note that for any ISA Transfer cases original wet signature paperwork is still required by many ISA Providers (which is outside the control of Mariana) and this needs to be received by James Brearley by the 15^th March so we would request this be received at Best Price a couple of days earlier, i.e. by the 12th March.

NB For new ISA Investments you are able to use both your 2020/21 & 2021/22 allowances within this Tranche.

This investment tranche is again underwritten with Morgan Stanley (S&P A+ Stable) as the chosen Counterparty.

Key Points to consider:

1. The product continues to be available in three formats all of which are linked exclusively to the FTSECSDI Index.
2. NB The correlation of the FTSECSDI to the FTSE100 over a 10 year simulated back-test is 98.26%
3. All options provide the opportunity to achieve attractive returns in a controlled/pre-defined manner as part of a diversified and well balanced portfolio in uncertain and flat market conditions.
4. The Plan Strike date for all Options is the 9^th April.
5. Remember that the longer the Plan runs in practice, the higher the equivalent Market would need to get in order for an Investor’s main portfolio to match the returns offered.
6. The Back-testing of structured products is a precise science – as the actual terms of the strategy, which are defined by contract, are used with the actual performance of the index. (these are not ‘hopes and aims’, as is the case with active fund management, or even passive, where tracking error, charges, etc., have a bearing: structured products are legal obligations on the issuer to deliver precisely what they have stated the terms to be).
7. One of the key advantages of the 10:10 Plan continues to be that it has been designed to combine the benefits of short term annual kick-out potential, from the 2nd anniversary, with a longer investment term to maximise the annual opportunities for successful kick out and the scale of snowballing / accumulation of potential coupons before maturity.

Headline details of the product options are as follows, please refer to the Brochure for full information on the Plan.

As with the previous tranches it is based around the new innovative thinking behind the FTSE CSDI Index which, with internal savings in the product construction, results in even more attractive headline rates of return for Investors.  Market commentary continues to be very supportive of this approach.  See quote below from one recent comment:

“Q3 of 2020 did see the introduction of a new Index designed specifically for structured products – the FTSE Custom 3.5% Synthetic Fixed Dividend Index (FTSE CSDI), an Index we expect to become a staple within the sector over the coming years. The FTSE CSDI aims to closely replicate the performance of the same 100 companies as the FTSE 100 Index, but after including the dividends – the equivalent to the FTSE 100 ‘total return’ index, from which, a constant annual dividend of 3.5% is deducted. The FTSE CSDI index may therefore be expected to perform in a similar way to the FTSE 100 Index although, it would be expected to slightly underperform the latter if the total dividend yield transpires to be less than 3.5%. The correlation of FTSE CSDI to the FTSE 100 over a 10-year simulated back-test is 98.26%”

We would refer you particularly to pages 14 and 15 of the Brochure for more information on this Index.

As always this is a limited tranche, and it Strikes on the 9^th April.

In the current Investment Climate, we emphasise the need for you to apply at the earliest opportunity to avoid the disappointment of the plan closing early due to over-subscription.

If you would like to discuss the workings of this Plan in more detail, please just let us know and we will be happy to help.

Combined with great potential returns, Structured Investments like this allow you to put to one side current media commentary/market nerves and focus on the pre-defined outcomes offered to Investors going forward.

Couple this with the fact that you can complete the whole investment process very simply.  There is no need for wet signatures, you can complete each investment with email & scanned documentation plus online Banking.

Please note that for any ISA Transfer cases original wet signature paperwork is still required by many ISA Providers (outside the control of Mariana/James Brearley, the Administrators) and this needs to be received at James Brearley’s by the 15^th March, we therefore request receipt by the 12^th March to allow for posting.

NB: For new ISA Money you are able to use both your 2020/21 and 2021/22 allowances within this Tranche.

This investment is underwritten with Morgan Stanley (S&P A+ Stable) as the chosen Counterparty.

Key Points to consider:

The Plan provides the opportunity to achieve attractive returns in a controlled/pre-defined manner as part of a diversified and well-balanced portfolio in potentially uncertain or fairly flat market conditions.

• Remember that the longer the Plan runs in practice, the higher the equivalent Market would need to get in order for an Investor’s main portfolio to match the returns offered.
• The Back-testing of structured products is a precise science – as the actual terms of the strategy, which are defined by contract, are used with the actual performance of the index. (these are not ‘hopes and aims’, as is the case with active fund management, or even passive, where tracking error, charges, etc., have a bearing: structured products are legal obligations on the issuer to deliver precisely what they have stated the terms to be).

Headline details of the product are as follows. (Please refer to the Brochure and KID document for full information on the Plan by clicking on the link below)

Don’t Forget the Risks

As with all forms of investment there are risks involved. These plans do not guarantee to repay the money invested. The potential returns of the plans and repaying the money invested are linked to the level of the stock market and also depend on the financial stability of the Issuer and Counterparty Bank.

The promotion of the plans does not constitute ‘advice’ to invest. Advice is always specific to an individual investor’s circumstances and needs, following the process of ‘know your customer’, with the aim of ensuring that any product is suitable for an investor.

As always, the recommendation and common sense approach is to consider product solutions as a portfolio, never over-exposing oneself to a point of financial pain and suffering liquid or counterparty exposure.

At the Best Price FS price point (when combined with our smiley and helpful service) the Mariana Plans are certainly worthy of consideration for inclusion within investment portfolios.

Warmest Regards.

Best Price FS Team