fbpx

Investment & Insurance Blog

Currently browsing Latest Posts

Mariana launch new tranche of their 10:10 Plans for April 2022

  • Monday, February 28, 2022
Mariana launch new tranche

MARIANA STRUCTURED PRODUCTS UPDATE
Mariana launch new tranche
Mariana launch new tranche of plans for April 2022:

  • Mariana 10:10 Plan (FTSE CSDI Version) – April 2022 Plans – Options 1, 2 & 3

A summary of each plan is provided below.  All plans are available on a Non-Advised basis.

The Mariana 10:10 plan (FTSE CSDI Version) has been available for 7 years and established as a ‘go to’ investment within many investors.

The overall Product design coupled with both the impressive Back-testing & the current market environment makes it a compelling & powerful diversification tool for a number of Investors’ investment strategies.

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

Headline details of the product options are as follows, please refer to the Brochure and KID document for full information on the Plans.:


The 10:10 Plan continues to use the FTSE CSDI Index which we introduced some eighteen months ago now, in order to get better value for your Clients. Just to remind you this Index was designed specifically for structured products – its full title is the FTSE Custom 3.5% Synthetic Fixed Dividend Index (FTSE CSDI), & it is now very much a staple within the sector.

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 actually over 98%, which is not surprising as the Index contains exactly the same Shares held on exactly the same weighted basis.

It is also Important to remember that to achieve the annualised returns on offer actually little or no Market Growth is required. Even Option 3 only requires the Market to rise just 5% from the start in order to produce an annualised return of 11.4% p.a, Option 1 remains the Defensive Version offering the headline return even in a market trending downwards over time.

Once again, thank you for your continued interest in our Investment services and look forward to transacting more business with you shortly.
Mariana 10:10 Plan FTSE CSDI Version – April 2022

This is a ten year, two week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan has three options and is constructed to offer a Potential Return of 7.80% in Option 1, 9.40% in Option 2 and 11.40% in Option 3 for each year the Plan runs with the possibility of early maturity and the full repayment of Initial Capital from the end of the Plan’s second year and annually thereafter. The Potential Return is only payable if the Plan kicks out.

Should the Closing Price of the Underlying Asset on an Observation Date be at or above the Kick Out Trigger Level, the Plan will mature early, repaying your Initial Capital plus the Potential Return multiplied by the number of years the Plan has run.
The Kick Out observations begin on the second anniversary date and continue on an annual basis until the Plan’s Maturity Date (from 22 April 2024 to 22 April 2032).

If the Plan has not already kicked out, Initial Capital will be repaid in full at the end of the Plan’s term if on the Maturity Date (22 April 2032) the Closing Price of the Underlying Asset is not more than 30% below the Start Level.

If on the Maturity Date the Closing Price of the Underlying Asset is less than 70% of the Start Level (representing a decline of more than 30% from the Start Level), your Initial Capital will be lost at a rate of 1% for every 1% the Closing Price of the Underlying Asset is below the Start Level.
Click here for more details of the Mariana 10:10 Plan (FTSE CSDI Version) – April 2022 OPTION 1
Click here for more details of the Mariana 10:10 Plan (FTSE CSDI Version) – April 2022 OPTION 2
Click here for more details of the Mariana 10:10 Plan (FTSE CSDI Version) – April 2022 OPTION 3

About Morgan Stanley & Co. International plc: Morgan Stanley & Co. International plc and its subsidiary undertakings are part of a group whose principal activity is the provision of financial services to corporations, governments and financial institutions.

Morgan Stanley & Co. International plc is authorised by the Prudential Regulation
Authority (“PRA”) and regulated by the PRA and the United Kingdom Financial Conduct Authority.

More information on Morgan Stanley & Co. International plc can be found on their website www.morganstanley.com or by requesting a copy of their prospectus from Mariana. The prospectus contains information and contractual terms for the securities issued by Morgan Stanley & Co. International plc.

You may lose part and up to all your investment if Morgan Stanley & Co. International plc goes into liquidation and defaults on paying your Plan return and the repayment
of your Initial Capital. The risk that Morgan Stanley & Co. International plc goes into liquidation is called Counterparty Risk.

Securities issued by Morgan Stanley & Co. International plc. and Morgan Stanley are not covered by the Financial Services Compensation Scheme (FSCS). Therefore if the Issuer and/or the Guarantor become insolvent you would not be covered by the FSCS.

The Plan is not endorsed, sponsored or otherwise promoted by Morgan Stanley or any of its affiliates. None of Morgan Stanley or its affiliates are responsible for the contents of this brochure and nothing in this document should be considered
a representation or warranty by Morgan Stanley to any person regarding whether investing in the product is suitable or advisable for such a person. Neither Morgan Stanley, nor any of its affiliates, has provided advice, nor made any recommendation about investments or tax in relation to this
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.

Past performance is not a guide to future performance and may not be repeated.  Investment involves risk. The performance data does not take account of the commissions and costs incurred on the issue and redemption of shares. The value of investments and the income from them may go down as well as up and investors may not get back any of the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rate changes may cause the value of overseas investments to rise or fall.

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 liquidity or counterparty over 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
Advice: Simply click here to get in touch if you wish to receive regulated advice in relation to the ‘suitability’ of the plans to meet your investment needs.