Mariana 10:10 Plan – February 2026

Key info

  • Counterparty
    BNP Paribas
  • Taxation
    Capital Gains
  • Maximum Term
    10 years
  • Minimum investment
    £10,000
  • Potential Returns (Option 1)
    7.50% p.a.
  • Potential Returns (Option 2)
    8.85% p.a.
  • Potential Returns (Option 3)
    10.10% p.a.
  • Moneyworld Fee
    0.5%

Overview

The Mariana 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, two week Plan based on the performance of the FTSE™ Custom 100 Synthetic 3.5% Dividend Index, the Underlying Asset. The Plan has three options and is constructed to offer a Potential Return of 7.50% in Option 1, 8.85% in Option 2 and 10.10% 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 Potential Return is only payable if the Plan kicks out.

Should the Closing Price of the Underlying Asset on an Observation Date be at or above the Kick Out 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 Kick Out observations begin on the third anniversary date and continue on an annual basis until the Plan’s Maturity Date.

If the Plan has not already kicked out, Initial Capital will be repaid in full at the end of the Plan’s term if on the Maturity Date the Closing Price of the Underlying Asset is not more than 30% below the Start Level.

If on the Maturity Date the Closing Price of the Underlying Asset is less than 70% of the Start Level (representing a decline of more than 30% from the Start Level), your Initial Capital will be lost at a rate of 1% for every 1% the Closing Price of the Underlying Asset is below the Start Level.

The Counterparty chosen for this Plan is BNP Paribas.

Important dates

  • Closing date
    13 February 2026
  • ISA Transfer Closing date
    28 January 2026

More information

This product is a certificate, a transferable debt instrument.

BNP Paribas S.A. – www.bnpparibas.com Call +33 (0)1 57 08 22 00 for more information

This certificate provides a return which depends on the performance over the lifetime of the certificate of an underlying redeemable preference share issued by BNP Paribas Synergy Limited the value of which is in turn linked to the performance of an underlying share and/or index or basket of shares and/or indices. The description below is therefore based on the expected value of such preference share however the real return will depend on the actual value of the preference share. The objective of this product is to provide you with a return based on the performance of an underlying index. This product has a fixed term and will redeem on the Redemption Date unless redeemed early in accordance with the Automatic Early Redemption provisions below. Unless the product has been redeemed early, the following provisions would apply. On the Redemption Date you will receive in respect of each certificate:

Option 1:

  1. If the Final Reference Price is greater than or equal to 82.5% of the Initial Reference Price: a payment in cash equal to 175% of the Notional Amount.
  2. If the Final Reference Price is less than 82.5% of the Initial Reference Price:a. If a Barrier Event has not occurred: a payment in cash equal to the Notional Amount.b. If a Barrier Event has occurred: a payment in cash equal to the Notional Amount decreased by the Performance of the Underlying. In this case you will suffer a partial or total loss of the Notional Amount.

Automatic Early Redemption: If, on any Autocall Valuation Date, the closing price of the Underlying is greater than or equal to the relevant Autocall Barrier, the product will be redeemed on the corresponding Early Redemption Date. You will receive for each certificate a payment in cash equal to the Notional Amount plus a premium based on the relevant Exit Rate

Option 2

  1. . If the Final Reference Price is greater than or equal to 100% of the Initial Reference Price: a payment in cash equal to 188.5% of the Notional Amount.
  2. If the Final Reference Price is less than 100% of the Initial Reference Price:a. If a Barrier Event has not occurred: a payment in cash equal to the Notional Amount.b. If a Barrier Event has occurred: a payment in cash equal to the Notional Amount decreased by the Performance of the Underlying. In this case you will suffer a partial or total loss of the Notional Amount.

Automatic Early Redemption: If, on any Autocall Valuation Date, the closing price of the Underlying is greater than or equal to 100% of the Initial Reference Price, the product will be redeemed on the corresponding Early Redemption Date. You will receive for each certificate a payment in cash equal to the Notional Amount plus a premium based on the relevant Exit Rate

Option 3 

  1. If the Final Reference Price is greater than or equal to 105% of the Initial Reference Price: a payment in cash equal to 201% of the Notional Amount.
  2. If the Final Reference Price is less than 105% of the Initial Reference Price: a. If a Barrier Event has not occurred: a payment in cash equal to the Notional Amount.b. If a Barrier Event has occurred: a payment in cash equal to the Notional Amount decreased by the Performance of the Underlying. In this case you will suffer a partial or total loss of the Notional Amount.

Automatic Early Redemption: If, on any Autocall Valuation Date, the closing price of the Underlying is greater than or equal to 105% of the Initial Reference Price, the product will be redeemed on the corresponding Early Redemption Date. You will receive for each certificate a payment in cash equal to the Notional Amount plus a premium based on the relevant Exit Rate

This product has been designed for retail investors who:

1. have a long term investment horizon (over five years).

2. seek to invest in a capital growth product, potentially to diversify their portfolio

3. are able to bear losses up to the total of the Notional Amount and are aware of the possible early termination of the product.

4. have been informed or have sufficient knowledge of the financial markets, their functioning and their risks, and the asset class of the underlying.

How do i invest?

1

Online Applications

Click Apply Online and follow the onscreen instructions (this option is not available for ISA Transfers)

2

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

3

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