Mariana FTSE 100 Income Kick Out Plan

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High Income: 7.6% Income pa even if the FTSE drops by 25%…

For those prepared to put their capital at risk in order to achieve a high level of income whilst also maintaining some capital protection in the event the market goes down, this plan offers a compelling balance of risk versus reward

Oliver Roylance-Smith

Head of Savings and Investments

The continuing problem for both savers and investors is finding a high enough level of income that can help keep up with the present rate of inflation and still offer a decent overall return. With the potential for 7.6% income each year, the FTSE 100 Income Kick Out Plan from Mariana offers that opportunity.

The potential return is dependent on the performance of the FTSE 100 Index. Should the Index finish at or above 75% of its starting level at the end of each quarter you will receive a 1.9% payment, equivalent to 7.6% per year. Should the Index finish below this level no income will be paid for the quarter.

The plan has a maximum term of 7 years, but also offers the opportunity to receive your initial capital back in full before then if the FTSE has risen by any amount at the end of each quarter from year 2 onwards. If the plan does not end early, your initial capital is returned in full unless the FTSE has fallen by more than 35% at the end of the plan. If this does happen, your initial capital would be reduced by 1% for each 1% fall, so your capital is at risk.

If you are prepared to sacrifice a guaranteed income in return for the opportunity to receive double the rates available from leading fixed rate bonds, this could be a timely opportunity.

Plan Details

Potential quarterly income: 1.9% (equivalent to 7.6% annually) if the FTSE 100 Index doesn’t fall by more than 25%

Potential to mature early quarterly from year 2 onwards if the FTSE 100 Index rises by any amount

Capital at risk product – 65% barrier

Available for Stocks & Shares ISA, ISA Transfer and Direct Investments. Also available to businesses, charities, trusts and SIPP and SSAS pension schemes

Investment term: Maximum 7 Years

Arrangement fee applies

Minimum single investment: £10,000, or £5,000 if applying online

Maximum ISA investment: £20,000

No maximum for ISA transfers and non-ISA investments

Deadlines

The deadline for this plan has now passed. Please fill in the form below to receive details of the next issue of the plan as soon as it becomes available

Reduced arrangement fee: For investments of £100,000 or more into this plan, processed through Fair Investment Company, your arrangement fee will be reduced to 2% of your original investment.

Important Information: This is a structured investment plan which is not capital protected and is not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.

Mariana FTSE 100 Income Kick Out Plan December 2023

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Regular contributions	E.g. £100 a month investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £3 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund). The trail commission is included within the standard charging structure of the investment.
Structured products	Not applicable as regular contributions are not permitted
Venture Capital Trusts (VCTs)	Not applicable as regular contributions are not permitted
Savings Accounts	Accounts pay either initial commission (up to 1.2%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £1.20 initial commission, or £4.80 trail commission in year two and so on (actual amount will vary in line with the value of your savings account).

Lump sum investment	E.g. £30,000 investment
Collective investments (unit trusts, OEICs, etc)	Nil initial commission plus up to 0.3% of your fund value each year, so £0 initial commission plus £90 trail commission in year two and so on (the actual amount in later years will vary in line with the value of your fund) The trail commission is included within the standard charging structure of the investment.
Structured products	Initial commission of up to 3%, so Fair Investment Company will receive £900. This commission will be paid directly to us by the product provider and is taken into account within the standard charging structure of the product. Where no commission is paid by the product provider our introductory fee will be taken as an initial charge from your investment. This introductory fee will be no more than 3% of the amount invested. No annual trail commission will be payable.
Venture Capital Trusts (VCTs)	Initial commission of up to 2.5% plus up to 0.5% of your current fund value or initial investment each year, so up to £750 initial commission plus £150 trail commission in year two and so on (the actual amount in later years may vary in line with the value of the your investment). Please refer to the individual securities note for how the initial commission is paid. Unless we tell you otherwise, the trail commission is paid to us directly by the investment manager and is included within the standard charging structure of the investment.
Savings Accounts	Accounts pay either initial commission (up to 0.3%) or trail commission (up to 0.4%), but not both. So depending on the product it could be £90 initial commission or £120 trail commission in year 2 and so on (actual amount will vary in line with the value of your savings account).