Mariana Investment Solutions

View the latest range of structured products from Mariana Capital

Looking for a structured investment from Mariana Capital? Then you’re in the right place! We have a range of structured products from Mariana, and we have the lowest arrangement fee at a mere 0.5% per investment! Suitable for both corporate and private investment, these Mariana Structured Products fulfil a wide variety of investment needs.

You can access Mariana’s product range at our exceptional value for money price point of 0.5% non-advised (subject to the minimum fee of £75) or 1.5% where advice is required (subject to the ‘advice’ fee minimum of £300)

10 Year Step Down Kick Out Plan November 2018

A maximum ten year structured investment product, that offers the potential for maturity at the end of year 2 with a fixed return of 7.75% per year, Kick Out Levels are reduced from year 4 to increase the chance of early expiry.

  • Closing Date: Nov 20, 2018
  • ISA Transfer: Oct 31, 2018
Don't forget the risks
  • Potential return: 7.75 % per annum
  • Product type: Capital at Risk
  • Investment type: Auto-Call/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Natixis
  • Investment term: 10 years (maximum)
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 70%
View plan

FTSE Defensive Income Kick Out Plan December 2018

A maximum ten years two week investment offering a potential return of 1.525% per quarter (equivalent to 6.1% per annum) providing the Closing Price of the Index is at or above 70% of the Start Level on each quarterly Observation Date.

  • Closing Date: Dec 4, 2018
  • ISA Transfer: Nov 14, 2018
Don't forget the risks
  • Potential return: 6.1 % per annum
  • Product type: Capital at Risk
  • Investment type: Income/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Morgan Stanley
  • Investment term: 10 years 2 weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: End of term
  • Barrier level: 65%
View plan

Product Providers

About Mariana Capital

Mariana was established in 2009 by an experienced team with considerable technical knowledge of structuring investments for various markets. Their structured investment division was created in 2012, which now boasts one of the largest and most experienced teams in the market covering the UK, Europe and Middle and Far East.

In handling clients' money and assets, Mariana works closely with two custodians:

Hargreave Hale is responsible for custody and administration services of all Structured Investment products. This means that, if you were to invest in a Structured Investment product from Mariana with us, your application would be handled by Hargreave Hale, and all correspondence would be received from them. As an authorised and regulated firm, their FCA registration number is 209741.

For the administration of Structured Deposit products, James Brearley & Sons will handle clients' investments. If you chose to invest into one of these products through us then you would receive correspondence from James Brearley & Sons, who would handle your application. Their FCA registration number is 189219.

Don’t forget the risks

All investments carry risk. It is identifying those risks, understanding how they may affect an investment and assessing whether an investment is suitable for your circumstances that is important.

The potential returns of most structured products and repaying the money invested are usually linked to the level of a stock market index and also depend on the financial stability of the issuer and counterparty bank. You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

You should always read the relevant plan brochure and any other plan documentation, for full details of a plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions there are other important documents, including a Key Information Document (‘KID’), that you should consider, before deciding to invest in a plan.

Structured products should only be considered as part of a diversified and balanced portfolio.

Below is a summary of some of the main risks usually associated with an investment in structured products plans:

Market risk to potential returns

Whether or not a plan generates the potential returns for investors usually depends on the closing level of the relevant index on the relevant dates for the plan, i.e. the kick-out anniversary dates for kick-out products; the early maturity dates and end dates for growth products; the annual income dates for income products.

If the index closes below the level needed, for the plan or plan options chosen, on all of the relevant dates, the plan or plan options will not generate a return.

Market risk to repayment of money invested in 'Capital-at-Risk' plans

If the closing level of the relevant index is below the level needed on all of the kick-out anniversary dates or early maturity dates, if relevant for the plan or plan options chosen, and on the end date, repaying the money invested at maturity will usually depend on the closing level of the index on the end date..

Different structured products use different types of protection barriers. Some products use barriers that are observed every day that can therefore be breached on any day during the investment term, while some products use barriers that are only observed at the end of the investment term and that cannot therefore be breached during the investment term.

Market risk to the repayment of money invested on the end date will depend on the type of barrier and its level.

For example, for a product with an end of term barrier, set at 60% of the start level, if the index for the plan closes at or above 60% of the start level, on the end date, money invested will be repaid in full (less any agreed adviser fees and withdrawals). However, if on the end date the index closes below 60% of the start level, the amount of money repaid (less any agreed adviser fees and withdrawals) will be reduced by the amount that the index has fallen. For example, if the index has fallen by 45%, the repayment of money invested will be reduced by 45% (meaning that investors will get 55% of their investment back).

'Protected' types of structured products

Some structured product plans are designed so that they are 100% protected from stock market risk at the end date.

It is important to understand that even if a structured product plan is designed with 100% protection from stock market risk, at the end date, it will still usually have issuer and counterparty bank risk. In other words, both the potential returns of the plan and repaying the money invested at the end date will depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Issuer and counterparty bank risk

Both the potential returns and repaying the money invested of most structured products depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Financial Services Compensation Scheme ('FSCS') protection

It is important to understand that it is not usually possible to claim under the Financial Services Compensation Scheme if the issuer and counterparty bank fail to meet their obligations or if the stock market index that a plan links to falls.

Structured deposits

Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and also benefit from the protection of the Financial Services Compensation Scheme, if the bank or building society is a licensed UK deposit taker.

Structured Products Investor newsletter

We are also delighted to be able to introduce a new client newsletter, the Best Price FS Structured Products Investor, with the support of Tempo.

Contributing journalists will include the highly respected Financial Times ‘adventurous investor’ columnist, David Stevenson.

The first publication also features an article written by the global head of Tempo, Chris Taylor.

Want to stay up to date with the latest structured product news?