iDAD Inflation Linked Deposit Plan – September 2023 – Issue 4

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The iDAD Inflation Linked Deposit Plan is a 3 year 2 week plan with the potential growth payments linked to the RPI and FTSE 100 Index.


A maximum 3 years 2 weeks investment

Underlying indices

The UK RPI All Items Index (RPI) and the FTSE™100 Index

Deposit Taker

Barclays Bank Plc

Investment Return: 100% of the increase in the RPI from June 2023 to June 2026.

Additional Return: An additional 3% interest will be paid if the FTSE 100 Index is level with or higher than Initial Strike Level on the Final Observation Date.

Capital Protection: Your Initial Capital will be returned in full at maturity regardless of  the performance of the Indices, subject to Deposit Taker risk.

How can I hold this?

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

Other Key Information

English law governed deposit

Barclays Bank PLC ( The PRIIP manufacturer is also the product  issuer. Call +44 (0) 20 7116 9000 for more information.

The product is designed to provide a return in the form of (1) a coupon payment and  (2) a cash payment on the maturity date. The product has a fixed term and will  terminate on the maturity date.

Coupon: On the maturity date you will receive a coupon payment calculated by  multiplying the product notional amount by the applicable coupon rate. The coupon  payment is not linked to the performance of the underlying.

Coupon rate: The coupon rate will be determined as follows:

1. if the reference rate is below 0%, the coupon rate will be 0%; and

2. otherwise, the coupon rate will be the reference rate.

As such, the interest rate will be subject to a minimum rate of 0%.

Termination on the maturity date: On termination of the product on the maturity date you will receive:

1. if the final reference level is at or above the initial reference level, a cash payment  equal to GBP 1.03; or

2. if the final reference level is below the initial reference level, a cash payment equal  to GBP 1.

Under the product terms, certain dates specified below will be adjusted if the  respective date is either not a business day or not a trading day (as applicable). Any  adjustments may affect the return, if any, you receive.

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, the product and the product issuer. 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.

When purchasing this product during its lifetime, the purchase price may include  accrued coupon on a pro rata basis. For display purposes numbers within this  document have been cut off at 4 decimal places..

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

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

2. they seek income and/or full protection of the product notional amount, subject to  the issuer’s ability to pay, expect the movement in the underlying and reference rate to  perform in a way that generates a favourable return and have an investment horizon of the recommended holding period specified in the key information document

3. they accept the risk that the issuer could fail to pay or perform its obligations under  the product but otherwise they are not able to bear any loss of their investment; and

4. 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.

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

Please read about ID Verification & Payment Details

Print and complete the application

Scan and email all documents to or post 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 directly to us.

Important Plan Dates

Closing Date (Cheque payments): 14 September 2023

Closing Date (Electronic payments): 21 September 2023

ISA Transfer closing date: 07 September 2023

Important Documents

> Plan Brochure – Inflation Linked Deposit Plan – Issue 4

> 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 Inflation Linked Deposit Plan right for me?

This Deposit may be suitable for investors who:

Are seeking the opportunity to maintain the real value of their deposit over the term of the investment

 Understand how the capital protection works

Wish to have exposure to the Underlying Indices

Understand the deposit must be held until maturity to receive the quoted returns plus the initial investment

Are looking to invest for the duration of the 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

This Deposit may not be suitable for investors who:

Have not received advice or spoken to a financial adviser who deems the Deposit  Plan appropriate for them

 Don’t understand the risks of the Deposit Plan

Require an income from their investment

Don’t want exposure to the underlying

 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)