iDAD 10:10 Plan – Issue 83

Key info

  • Counterparty
    Goldman Sachs
  • Taxation
    Capital Gains
  • Maximum Term
    10 years
  • Minimum investment
    £10,000
  • Potential Returns (Option 1)
    8.25% p.a.
  • Potential Returns (Option 2)
    10.00% p.a.
  • Potential Returns (Option 3)
    11.00% p.a.
  • Moneyworld Fee
    0.5%

Overview

The iDAD 10:10 Plan is a ten year investment with the potential growth payments dependant on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset.

This is a ten year, one week Plan based on the performance of the FTSE Custom 100 Synthetic 3.5% Fixed Dividend Index, the Underlying Index. The  Plan has three options and is constructed to offer an Investment Return of 8.25% in Option 1 , 10.00% in Option 2 and 11.00% 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 third year and annually thereafter. The Investment Return is only due if the Plan matures. Should the Closing Price of the Underlying Index on an Observation Date be at or  above the 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 opportunity for growth is the key aim of this investment. The investment is linked to the FTSE Custom 100 Synthetic 3.5% Fixed Dividend Index (see page 9 of the brochure for full details).

The initial investment into the Plan will be returned in full at maturity providing the Index is at or above 70% of its Initial Strike Level.

There is a risk that the Issuer (Goldman, Sachs & Co.) and/or the Guarantor (Goldman Sachs International) could go into administration, become  bankrupt or collapse. This would mean that it could fail to make the payments due in relation to the Plan. In the event of this happening an Investor  who is not eligible for FSCS coverage could lose some or all of their investment as well as any of the returns to which they may otherwise have been  entitled. Note that the FSCS is not applicable During the Plan Term.

Important dates

  • Closing date
    8 May 2026
  • ISA Transfer Closing date
    17 April 2026

More information

The product is in the form of a note issued under Cayman law. It is  not an interest bearing security. The payment obligations of the  product manufacturer are guaranteed by Goldman Sachs  International (the “Guarantor”).

Goldman, Sachs & Co. Wertpapier GmbH (the “Issuer”) (see  http://www.gspriips.eu or call +442070510101 for more  information)

The product provides the potential for capital growth and does  not pay interest. What you will receive at the end of the term of  the product is not certain and will depend on the performance of  the preference shares issued by GOLDMAN SACHS  (CAYMAN) LIMITED. The performance of the preference shares  is in turn linked to the performance of the index FTSE Custom  100 Synthetic 3.5% Fixed Dividend TR GBP Index (the  underlying asset). In addition, you will take the risk that some or  all of the value of your investment may be lost at the end of the  term of the product. The term of the product will end no later  than May 22, 2036. However, the product may terminate early  depending on the performance of the underlying asset. Each note  has a face value of GBP 1. The issue price is 100.00% of the face value. The product will be listed on Luxembourg Stock Exchange  (Euro MTF). The subscription period is from March 10, 2026 to  May 15, 2026. The issue date is June 1, 2026.

The return of this product is determined by reference to the  performance of a modified underlying, which is calculated by reinvesting all gross dividends paid by the underlying  component(s) and subtracting a Pre-Defined Decrement. If the  actual dividends paid by the underlying component(s) are lower  than the Pre-Defined Decrement, the modified performance of  the underlying asset will be penalized compared to the traditional “price return” performance. Conversely, if the actual dividends paid by the underlying component(s) are higher than the Pre- Defined Decrement, the modified performance of the underlying asset will be improved compared to the traditional “price return”  performance.

Option 1:

Autocall feature: If the closing price of the underlying asset on  any autocall observation date is at or above the autocall barrier,  the preference shares and the notes will terminate on the  corresponding autocall payment date. In this case, you will receive an autocall payment for each note that you hold. Autocall  observation dates are each trading day rolling annually from May  15, 2029 (inclusive) to May 15, 2035 (inclusive). Autocall  payment dates are dates falling 5 business days after each autocall observation date. Autocall barrier for the first autocall observation date is 100.00% of the initial reference price and will subsequently decrease by 2.50% of the initial reference price with  each autocall observation date. Autocall payment for the first  autocall payment date is GBP 1.2475 and will subsequently  increase by GBP 0.0825 with each autocall payment date.

Repayment at maturity:

This section applies only if no autocall occurs as described above.

On May 22, 2036, for each note that you hold:

1. If the closing price of the underlying asset on May 15, 2036 is at least equal to 82.50% of the initial reference price, you will  receive GBP 1.825; or

2. If the closing price of the underlying asset on May 15, 2036 is  at least equal to the barrier price, you will receive GBP 1.00; or

3. Otherwise, you will receive GBP 1.00 multiplied by (i) the  closing price of the underlying asset on May 15, 2036 divided by  (ii) the strike price of the underlying asset.

The initial reference price of the underlying asset is the closing  price on May 15, 2026.

The strike price is 100.00% of the initial reference price. The barrier price is 70.00% of the initial reference price.

Option 2

Autocall feature: If the closing price of the underlying asset on  any autocall observation date is at or above 100.00% of the initial  reference price, the preference shares and the notes will  terminate on the corresponding autocall payment date. In this case, you will receive an autocall payment for each note that you  hold. Autocall observation dates are each trading day rolling annually from May 15, 2029 (inclusive) to May 15, 2035  (inclusive). Autocall payment dates are dates falling 5 business  days after each autocall observation date. Autocall payment for  the first autocall payment date is GBP 1.30 and will subsequently increase by GBP 0.10 with each autocall payment date.

Repayment at maturity: This section applies only if no autocall  occurs as described above.

On May 22, 2036, for each note that you hold:

1. If the closing price of the underlying asset on May 15, 2036 is at least equal to the initial reference price, you will receive GBP  2.00; or

2. If the closing price of the underlying asset on May 15, 2036 is  at least equal to the barrier price, you will receive GBP 1.00; or

3. Otherwise, you will receive GBP 1.00 multiplied by (i) the  closing price of the underlying asset on May 15, 2036 divided by  (ii) the strike price of the underlying asset.

The initial reference price of the underlying asset is the closing  price on May 15, 2026.

The strike price is 100.00% of the initial reference price. The  barrier price is 70.00% of the initial reference price. The autocall barrier is 100.00% of the initial reference price.

Option 3

Autocall feature: If the closing price of the underlying asset on  any autocall observation date is at or above 105.00% of the initial  reference price, the preference shares and the notes will  terminate on the corresponding autocall payment date. In this case, you will receive an autocall payment for each note that you  hold. Autocall observation dates are each trading day rolling annually from May 15, 2029 (inclusive) to May 15, 2035  (inclusive). Autocall payment dates are dates falling 5 business  days after each autocall observation date. Autocall payment for  the first autocall payment date is GBP 1.33 and will subsequently increase by GBP 0.11 with each autocall payment date.

Repayment at maturity:

This section applies only if no autocall occurs as described above.

On May 22, 2036, for each note that you hold:

1. If the closing price of the underlying asset on May 15, 2036 is at least equal to 105.00% of the initial reference price, you will  receive GBP 2.10; or

2. If the closing price of the underlying asset on May 15, 2036 is  at least equal to the barrier price, you will receive GBP 1.00; or

3. Otherwise, you will receive GBP 1.00 multiplied by (i) the  closing price of the underlying asset on May 15, 2036 divided by  (ii) the strike price of the underlying asset.

The initial reference price of the underlying asset is the closing  price on May 15, 2026.

The strike price is 100.00% of the initial reference price. The  barrier price is 70.00% of the initial reference price. The autocall barrier is 105.00% of the initial reference price.

The product terms also provide that if certain exceptional events  occur (1) adjustments may be made to the product and/or (2) the  product issuer may terminate the product early. These events are  specified in the product terms and principally relate to the underlying asset, the product and the product manufacturer. The  return (if any) you receive on such early termination is likely to be different from the scenarios described above and may be less than the amount you invested.

This product is intended to be offered to retail investors who:

1. have the ability to make an informed investment decision  through sufficient knowledge and understanding of the product  and its specific risks and rewards, with experience of investing in  and/or holding a number of similar products providing a similar  market exposure;

2. seek capital growth, expect the movement in the underlying  asset to perform in a way that generates a favourable return, have an investment horizon of the recommended holding period  specified in the key information document and understand that the product may terminate early;

3. accept the risk that the issuer or guarantor could fail to pay or  perform its obligations under the product but otherwise are able  to bear a total loss of their investment;

4. are willing to accept a level of risk to achieve potential returns  that is consistent with the summary risk indicator shown in the key information document;  and

5. are making use of professional advice

How do i invest?

1

Email Applications – Print and complete our Appropriateness Assessment Form & the Application Form and email this to admin@moneyworld.com

Please read about ID Verification & Payment Details

2

Postal Applications – Print and complete our Appropriateness Assessment Form & the Application Form and post these along with any cheque’s to;

Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.

What are the risks?

This is a list of the general risks associated with investing in structured investment products, please read the plan brochure and key information document for your chosen product to fully understand the risks.

Market Risk:  In the event of a global economic recession this may result in financial markets weakening significantly. Political or climatic events can also cause disruption to the markets. Economic policies, tax rates or interest rates are subject to change and can influence the performance of the  Underlying Asset.

Early Redemption Risk:  The actual risk can vary significantly. If you cash in at an early stage you may get less Initial Capital back. You may not be able to sell your Plan easily or have to sell at a price that will impact how much return you get back.

Inflation Risk:  The value of your investment and any returns you may qualify for are not linked to inflation. If inflation is high over the term of the  Plan, the real value of the Plan may decrease thus affecting the real value of any returns you may receive.

Counterparty Risk:  By investing in this Plan you take a possible credit risk with the Counterparty. The Counterparty will be responsible for the payment of any return of capital and income payments due from the Investment. In the event of bankruptcy or payment default by the Counterparty you may be exposed to partial or total loss of capital and you would not be entitled to compensation from the Financial Services Compensation Scheme (FSCS).

Liquidity Risk:  The Issuer of the Securities aims to provide but cannot guarantee a secondary market for the Securities during the investment term.  However, certain market circumstances may have a negative impact on the liquidity of the Securities and result in the partial or total loss of your  initial capital invested.

Structured investment products FAQs

Structured Products are designed to be held to the end of the fixed term, it is possible to cash in the plan early however you could get back less than you originally invested.

Your application should be sent to us and not the Structured product provider, forms can be returned to admin@moneyworld.com or by post to – Moneyworld, 34 High Street, High Wycombe, Bucks, HP11 2AG.  The application should arrive with us before the advertised closing date for your chosen plan.

The payment can be made by bank transfer direct to the plan manager or by cheque, details of where to send the funds or who the cheque should be made payable to are usually included on the application form for your chosen plan.  If you’re still unsure then get in touch with us and we’ll provide details.

The company that you invest with will issue a cancellation notice once they have received and processed your application. This will give you 14 days in which to cancel the application if you decide not to proceed.

However if you cancel the plan after it has started it is possible that you will receive back less than your original investment, irrespective of whether you cancel within the 14 day period or not.

When the plan ends you will be contacted by the company that holds your investment and will usually be given the following options;

– Re-invest into a new product with the same company if they have one available at the time

– Request that they return the proceeds in full to you (any ISA funds returned will lose their ISA status)

– Re-invest part of the money into a new plan and encash the rest

– If the plan is held as an ISA you also have the option of transferring the funds to another company to retain the ISA status

There are a number of websites available that provide historical index levels, links to some of these are provided below;

Yahoo Finance
Investing.com
Bloomberg

If you require historical information for previous issues of the plan you are investing in then this can generally be found on the website of the company that administers the plan.

The fee can be paid direct to us or by specifying on the application form that the fee is to be deducted from your investment.  If you prefer to pay us directly you can do this by cheque or bank transfer.  If posting an application please either enclose a cheque payable to Moneyworld or indicate that the fee is to be paid directly and we will provide account details once we have processed your application.

If you’re emailing your form and haven’t indicated that the fee is to be deducted from the investment, we’ll assume you’re paying  by bank transfer and will provide account details when we acknoweldge receipt of your application.

A Structured Product is a fixed term product which usually runs for between 2-10 years. The return of your original capital and any income/growth payments are usually dependant on the performance of either a basket of shares or more commonly a specific index such as the FTSE 100.

There are two types of Structured Products available:

♦ Investment based
♦ Deposit based

Investment based: At the end of the term, you receive the product return from the company that holds the investment plus a return of capital, providing certain criteria has been met.

The product is issued in association with a third party, known as a ‘counterparty’ who provide the returns and the guarantees. If this third party goes bankrupt, you could lose some or all of your money. This type of product does not benefit from Financial Services Compensation Scheme protection

Deposit based: Deposit based plans are similar to Structured Investment Products, however UK investors may benefit from the Financial Services Compensation Scheme’s (FSCS) deposit insurance scheme, subject to certain limits.

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Have a query?

Get in touch with the team.
Call us on 01494 443806
We’re here 9.00am - 5.30pm
Monday to Friday

Sign up for structured product updates

Have a query?

Get in touch with the team.
Call us on 01494 443806
We’re here 9.00am - 5.30pm
Monday to Friday