Ian Lowes, Managing Director

With the benefit of 2020 hindsight, its fair to say that a decision to invest in the stock market at the beginning of this year would have been better deferred a few months.

That said, those that invested in a ‘10:10 Plan’ or simialr might be somewhat less concerned by their timing, not least because a prolonged recovery could prove relatively much more beneficial for these investors.

The latest Mariana 10:10 Plan should afford similar piece of mind.

There have been over 130 iterations of the 10:10 Plan issued to date. If you haven’t yet discovered this investment, stop and take ten minutes to consider Option 2 of the latest issue by reference to how other investments might perform in various market conditions...

10:10 August 2020 – Option 2:

• Designed to mature on second anniversary, returning original capital plus a gain of 17.5% - if the FTSE 100 is above the 14 August 2020 closing level.

• If not, it will mature on third, or subsequent anniversary when the FTSE is above that level, adding a further 8.75% potential gain for each year.

• The maximum term is ten years and if it has not matured by then and the FTSE is more than 30% lower, invested capital will be reduced by that percentage i.e. if the FTSE falls, does not recover and is half the 14 August 2020 level on 14 August 2030 only £5,000 per £10,000 invested will be returned.

• Returns and return of capital dependent upon the continued solvency of Goldman Sachs (A+ rated by Standard & Poor’s).

Options 1 and 3 are variations on the theme, offering potential returns for each year held of 7% and 10% respectively.

• Minimum investment £10,000 - Capital at risk

• Investable as an ISA / ISA transfer, Individual, Joint, SIPP, Trust, Corporate, Partnership

• Individual / joint gains taxable only if annual gains from all sources exceed £12,300*

• Can be surrendered from month one but penalties and loss will result

• Can be gifted, bequeathed, and transferred under probate

For further details on all three options of the August 2020 edition of the Mariana Capital 10:10 Plan, please see the 'Current Products' tab on StructuredProductReview.com.


Structured investments put capital at risk.

Disclosure of interests: Lowes has provided input into the concept, development, promotion and distribution of the 10:10. Lowes has a commercial interest in these investments as a result of its involvement. Where Lowes is involved in advice on these investments to retail clients, it will not receive benefit of any fees for its involvement, other than those fees payable by the client to Lowes. Lowes has robust systems and controls in place to ensure that it manages any actual or potential conflicts of interests in its activities.
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StructuredProductReview.com
Last updated: 8th Jul 2020