iDAD Callable ESG Deposit Plan Issue 1

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The iDAD Callable ESG Deposit Plan is a maximum 7 year and 2 week plan that offers potential growth of 8% for each year the plan runs, subject to the performance of the iSTOXX® Global ESG Trend Select 30 Price Index.


A maximum 7 years 2 weeks investment

Underlying index

iSTOXX® Global ESG Trend Select 30 Price Index (the “Index”)

Deposit Taker

Goldman Sachs International Bank

How the Callable Deposit plan works

This is a 7 year 2 week Deposit Plan based on the performance of the Index. The  Deposit Plan is constructed to offer a potential return of 8.0% per annum to the  redemption date if the Deposit Taker callsthe investment early (please refer to the  ‘Callable Feature’ below), or 300% participation in any growth of the Index at maturity.

If the Deposit Plan is not called early, at maturity, the investor receives a return of  300% of any positive growth in the Index. For example, at maturity, if the Index had  risen 10% from the Initial Index Level, the investor will receive 100% of their  investment back plus a 30% growth payment(10% x 300%).

The opportunity for full capital protection and enhanced growth is the key aim of this  investment. The investment is linked to the Index (see pages 5 to 10 for full details)  and investors will benefit from geared growth in the Index unless, the Deposit Taker,  Goldman Sachs International Bank (GSIB) ‘calls’ the deposit early, in which case  investors will be paid a very competitive fixed rate of return – considerably better than  current cash rates. The enhanced participation is designed to more than make up for  the loss of dividends a direct investor into the Index may benefit from, and although the returns are effectively capped, because the deposit is very unlikely to deliver more  than the 8.0% per annum coupon rate, the cap is at an attractive level relative to  current interest rates.

The initial investment, minus any initial Adviser Fee, will be returned in full on the  Maturity Payment Date, or if GSIB calls the Deposit Plan early,regardless of the  performance of the Index, as detailed in the Key Observationstable on page 4 of the brochure.

The Callable Feature

On each quarterly Observation Date, from the second anniversary onwards, the  Deposit Taker has the option to ‘call’ the Deposit Plan at their discretion. This means  the Deposit Plan will be redeemed at that point and investors will receive their Initial  Capital into the Deposit Plan, together with the fixed rate of return detailed above. For  example, if the Deposit Taker called the Deposit Plan on the second anniversary, the  investor would receive 100% of their Initial Capital plus a 16% return.

The callable feature provides GSIB with the ability to redeem the Deposit Plan early  on any Callable Observation Date, details of which can be found on page 2 under  ‘Product Information’.

The main reason this may happen is because GSIB believes the enhanced growth  participation that could be paid out at maturity, may be higher than the coupons that  have accumulated so far. It works in a very similar way to having a cap on the  maximumpay-out.

For example, if after 4 years the Index has grown by 25% and seems set to continue  growing, the Deposit Taker may feel that they will be better off redeeming the Deposit  Plan and paying 4 years of the fixed annual return, rather than potentially paying the  Index related return once the Deposit Plan matures.

Although this feature allows the Deposit Taker to avoid paying very high returns, the  fixed annual return is set at a rate that is attractive, particularly when combined with  the capital protection feature.

How can I hold this?

Direct, ISA/ISA Transfers, SIPPs, SSAS,Corporate, Charities and Trusts

Other Key Information

The product is in the form of a deposit provided under English law. It is not an interest  bearing security. The payment obligations of the product manufacturer are not  guaranteed by any entity.

Goldman Sachs International Bank, London, UK (see 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 iSTOXX® Global ESG Trend Select 30 Price (EUR) (the underlying asset). The term of the product will end no later than January 28, 2027. However, we  have the right to terminate the product early. The product is not listed on an exchange.

Call feature: iDAD have the right to terminate the product early on each call payment  date by giving notice on or before each call date shown in the key information document. In this case you will  receive the call payment multiplied by the deposit amount shown below for each note  that you hold.

Repayment at maturity:This section applies only if we do not terminate the product  early as described above. On January 28, 2027, you will receive the deposit amount  multiplied by the sum of (A) 100% and (B) 300% further multiplied by the underlying  asset performance. However, if this is less than the deposit amount, you will receive  the deposit amount.

The underlying asset performance is calculated by dividing the closing price of the  underlying asset on January 21, 2027 by the initial reference price of the underlying  asset and subtracting 100%. The deposit amount is, at any time, the amount standing  to the credit of your deposit account at such time, and excludes any amount already  withdrawn or transferred. The initial reference price of the underlying asset is the closing price on January 21 , 2020.

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.

The product is intended to be offered to retail investors who fulfil all of the criteria below:

 they 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, either independently or through professional advice;

seek principal protection, subject to the issuer’s ability to pay, 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;

 they accept the risk that the issuer could fail to pay or perform its obligations under the  product and they are able to bear a total loss of their investment; and

 they 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.

The product is not intended to be offered to retail clients who do not fulfil these criteria. Please ensure you have read and understood the important documents contained on this page before investing.

To gain a full understanding of this Plan it is important that you read the brochure carefully, including the product risks and terms and conditions. If you are unsure about any aspect of this investment product, please seek financial advice to ensure the Plan suits your requirements and overall investment planning.

Moneyworld does not offer investment advice. The information in this brochure does not constitute tax, legal or investment advice. Please read our terms and conditions before investing

How do I invest?

Print and complete our Appropriateness Assessment Form

Print and complete the relevant application form, these forms can be found below.

Post all documents to:  Moneyworld, 34 High Street, High Wycombe, Bucks,
HP11 2AG

Application Fee

Our fee is just 0.5%. This can be deducted from the investment or paid by enclosing a cheque to Moneyworld.

Important Plan Dates

Closing Date (Cheque payments): 07 January 2020

Closing Date (Electronic payments): 14 January 2020

ISA Transfer closing date: 31 December 2019

Important Documents

> Plan Brochure – Callable ESG Deposit Plan Issue 1

> Key Information Document

> Direct/ISA/ISA Transfer Application Form

> UK Trustee & Corporate Application Form

> Order brochure by post

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Is the iDAD Callable ESG Deposit Plan right for me?

This Deposit may be suitable for investors who:

Are seeking the opportunity for higher returns than current cash rates at the time this  Deposit Plan is launched

 Understand how the capital protection works

 Wish to have exposure to the Underlying Index

Understand the Deposit Taker may call the Deposit Plan early, returning 100% of  your Initial Capital plus a return of 8.00% per annum

 Are looking to invest for the medium to long term, being happy to remain invested  until the Maturity Date

 Can afford to have their cash invested for the full term of the Deposit Plan

♦ Wish to use this investment as part of a well-diversified portfolio

 Understand the risk to capital in the event of a Deposit Taker default

 Should they need to encash their investment before maturity, accept that the trading  price may mean they get back an amount less than they invested

 Appreciate that the fixed rate of return is conditional on Goldman Sachs International  Bank calling the investment

This Deposit may not be suitable for investors who:

Have not received advice, completed an appropriateness test or spoken to a  financial adviser who deems the Deposit Plan appropriate for them

 Don’t understand the risks of the Deposit Plan

 Require a guaranteed income

 Don’t want exposure to an equity Index

 Require access to their investment over the term

 Are unsure how the Deposit Plan works

Do not have at least £10,000 to invest

 Are not comfortable that their investment may be at risk if the Deposit Taker becomes insolvent

 Cannot make an informed decision based on the information within the brochure or  from the Deposit Taker’s Key Investment Document (KID)