To show you this page, we placed cookies on your computer. If you continue on this website, we will use further cookies to maximise your experience and help us to understand how we can improve it.
If you have any questions please complete the form below, and someone will get back to you as soon as possible.
Alternatively, please call 0191 281 8811 or email enquiry@comparestructuredproducts.com
Please enter your name
Please enter your telephone number
Please enter your email address
Email addresses do not match
Please choose how you would like to be contacted
Please enter your question
We will use the information you have provided only to contact you in accordance to terms of this contact form and our privacy policy. We will not use your information for any other purposes as specified by this form unless legally necessary in the course of business. For more information view our Privacy Policy.
You can no longer apply for standalone structured products through CompareStructuredProducts.com or Lowes Financial Management. The site will remain as an educational resource, allowing investors to access product brochures.
However, we offer two alternate investment vehicles within the structured investment sector which allow investors to maintain exposure within their portfolios. To learn more, please contact us at 0191 281 8811 or email Contact@CompareStructuredProducts.com.
All investment involves risk and you could lose some or all of the money you invest.
The information given in this product review has been taken from the product terms and conditions, brochure, and other literature available from the product provider. No guarantee can be made to the accuracy of the information. You should therefore satisfy yourself as to the full terms and risks of any investment by reference to the relevant materials provided by the product provider. Please request these documents using the buttons on the left of the page.
A monthly income of 0.51% gross will be paid throughout the investment term, regardless of the movement in the FTSE 100 and the S&P 500 Index.
Product Type:
Capital at Risk
Investment Type:
Income
Product Index Link:
FTSE 100 Index and S&P 500 Index
Potential FSCS Protection:
No
Capital at Risk Barrier Type:
End of Term only
Maximum Term:
6 years 1 week max.
Barrier Level:
65% of Initial Index Level.
Downside:
1:1
Capital At Risk Barrier:
(Subject To Counterparty Solvency)
65% of Initial Index Level, observed at the end of the term.
Initial (Strike) Index Level >>
Important Dates:
Closing Date *
ISA Transfers
Strike Date
Maturity Date
09/04/2025
26/03/2025
16/04/2025
23/04/2031
Closing Date *
09/04/2025
ISA Transfers
26/03/2025
Strike Date
16/04/2025
Maturity Date
23/04/2031
Counterparty:
Morgan Stanley
Please Note: The investment returns and the return of capital are dependent upon the counterparty meeting their obligations on time and in full. If the counterparty fails to meet their obligations you could lose some or all of your capital.
The credit ratings provided below can be a useful way to compare the credit risk associated with different Counterparties or Deposit Takers. Credit ratings are assigned by independent companies known as ratings agencies.
This six-year one-week structured deposit will generate gross monthly income payments of 0.51%, irrespective of the performance of the FTSE 100 and the S&P 500 Index.
If at the end of the term one or both indices are below their respective Initial Levels, then investors' original capital will be returned in full. If the Final Index Level of one or both of the two Indices is more than 35% below its respective Initial Index Level, investors will suffer a reduction to their invested capital equal to the percentage the Final Index Level of the worst performing Index is below its respective Initial Index Level. For example, if the Final Index Levels are 10% up for one Index and 45% down for the other, investors will suffer a reduction to their capital of 45%.
Contract Details
Initial Index Level:
The closing level of the Index on 16 April 2025.
Final Index Level:
The closing level of the Index on 16 April 2031.
Cash ISA
Equity ISA
Direct
ISA Transfer
SIPP **
Availability
Minimum Contribution*
N/A
£10,000
£10,000
£10,000
£10,000
*Note that minimum contributions exclude any applicable adviser charges
**The investment may also be available through third party SIPP Providers
Tax Treatment if held outside Tax Shelter:
The product literature states that under current legislation any interest payment will be paid gross and subject to UK income tax at the investor’s highest marginal rate.
Please note, tax rules and legislation are subject to change at any time.
Capital At Risk Barrier (Subject To Counterparty Solvency)
Barrier Level: 65% of Initial Index Level.
Downside: 1:1
Capital at Risk Barrier Type: End of Term only
If the investment fails to produce a gain, and the Final Index Levels of both indices are no more than 35% below their respective Initial Index Levels, investors' capital should be returned in full. However, if the Final Index Level of one or both indices is more than 35% below its respective Initial Index Level, investors will suffer a reduction to their invested capital of 1% for every 1% the Final Index Level of the worst performing index is below its respective Initial Index Level.
Charges
Unless stated otherwise charges do not affect the amount being invested as they have been taken into account in the terms of the investment. So, for every £100 invested, the return, provided the investment is held until maturity, should be £100, plus or minus the gain or loss in accordance with the defined terms. Separate fees may be payable to your adviser, platform or stockbroker for arranging this investment.
The total charges incorporated in the terms of the investment: Approximately 3.64%.
Note that prior to 1 June 2024 this figure in our database was provider charge only
If surrendered early, the value will be dependent on a number of factors and may be less than the original amount invested.
In the event of early surrender the provider may levy an administration fee which will be deducted from the surrender proceeds as follows:
Early Surrender: £100+VAT
Early ISA Transfer: £100+VAT
Summary Table
Income
Event
Outcome
Morgan Stanley default
=
Return of any capital subject to insolvency proceedings - potential total loss
If not
Regardless of the movement in the FTSE 100 and the S&P 500 Index
=
Monthly income of 0.51% gross is paid throughout the term
Income
Event
Outcome
Morgan Stanley default
=
Return of any capital subject to insolvency proceedings - potential total loss
If not
If at the end of the term the one or both of the indices are below their Initial Index Level, but by no more than 35%
=
Return of invested capital in addition to income outlined above
If not
If one of the indices are more than 35% lower
=
Invested capital is reduced in line with the fall in the index at maturity on a 1% for 1% basis
Fees
Where no advice has been sought or given, our fee for acting as intermediary for this investment is 1.65% of the amount invested, capped at £2,000. For example, on an investment of £25,000 our fee would be £412.50 and for an investment of £125,000 it would be £2,000.
Fee Calculator:
Please enter the value of your investment below to calculate the fee payable.
All investment involves risk and you could lose some or all of the money you invest.
It is imperative that you read the plan brochure and terms and conditions and understand all of the risks involved, which are outlined on page 5 and 13 of the brochure, prior to proceeding. If you do not fully understand the risks, the commitment or you are unsure as to the suitability of the investment for you, you should not proceed but instead contact us via E-mail or
Callback Request for advice.
Thank you for your request. An email has been sent to the supplied Email address.
If you do not receive your brochure within 10 minutes please ensure you check your spam filter or junk mail folder.
To receive a call from one of our Advisers, please complete the form below
We will use the information you have provided only to contact you in accordance to terms of this contact form and our privacy policy. We will not use your information for any other purposes as specified by this form unless legally necessary in the course of business. For more information view our Privacy Policy.
Please ensure the highlighted fields are correct.
There was an unexpected error. Please try again later.
Thank you for your interest, one of our Advisers will contact you shortly.
Please read the plan literature carefully, paying particular attention to all risk warnings, to satisfy yourself that the investment is right for you. Like most investments, this type of plan puts your capital at risk and could result in you losing some, or, in extreme circumstances, such as the counterparty becoming insolvent, all of the money you invest. Such plans are designed for advised investors but this investment may be suitable for you if you understand and accept the risks to capital involved and are investing as part of a balanced and diversified portfolio.
If you choose to invest without a personal recommendation, the investment will be processed on a "Direct Offer" basis i.e. no advice having been sought or given. As a Financial Adviser will not have conducted a review of your financial affairs, we will not be in a position to assess the suitability of the investment for you. As a consequence, we cannot be held responsible or liable if you proceed and you subsequently feel that the investment is not suitable.
Lowes will not charge an ongoing fee or receive any annual commission in respect of this investment. Where no advice has been sought or given, our fee for acting as intermediary for this investment is 1.65% of the amount invested, capped at £2,000. For example, on an investment of £25,000 our fee would be £412.50 and for an investment of £125,000 it would be £2,000.
We will use the information you have provided only to contact you in accordance to terms of this contact form and our privacy policy. We will not use your information for any other purposes as specified by this form unless legally necessary in the course of business. For more information view our Privacy Policy.
