Straight to you from deVere is this recommended investment through Morgan Stanley; Morgan Stanley Structured Investment Notes. As you may have read in the deVere introduction section, Morgan Stanley is one of the World’s largest diversified financial services companies. Morgan Stanley has a reputation for excellence in advice and execution on a Global scale. Since 1935, Morgan Stanley has served as the preeminent financial adviser to companies, governments, and investors from around the world. This Morgan Stanley Investment is certainly of interest:
Morgan Stanley Quarterly Income Note – 8% PER ANNUM
(GBP, EUR or USD)
LOW RISK
Key points…
· Quarterly cash coupons of 2.2% (US$$), 2.15% (GBP) and 2.3% (Euro) provided all indexes are equal to or above 60% of their starting levels at the end of each quarter.
· Where one or more index is below 60% of its starting level, at the end of a relevant quarterly period the income payment for that quarter will be missed. Quarterly income payments would then resume provided all indexes return to at least 60% of their starting levels
· Investment linked to S&P 500, FTSE 100 and EuroStoxx 50 Indexes
· 40% protection barrier
· 5 Year maturity with full return of capital less initial charge if protection barrier not breached on maturity date
· Strike date is 3rd June
How does it work?
Put simply all client money gets invested on the strike date and on that date the value of three stock markets get frozen. Each quarter, as long as those markets haven’t fallen by more than 40% in comparison to the strike date you receive a cash coupon of 2.3% (Euro).
It is entirely up to you what you do with this cash coupon – it will be deposited into your cash account of the investment vehicle, you can reinvest it or simply withdraw is as cash.
If the markets have fallen by 40% or more you simply miss out on the quarterly cash coupon for that quarter however it would take another Financial Crisis for the markets to fall anywhere near this amount and with the Quantitative Easing in place we do not feel this is likely
Interesting fact…
If you had held this investment for the last five years which has not been a great time to invest money (understatement of the year?), you would have only missed one quarterly cash coupon out of 20.
deVere & Morgan Stanley
Being the largest international financial advisory group in the world, deVere Group are able to secure products and alliances which other advisory groups are unable to provide. As part of this and in line with the company’s global expansion plans, deVere has recently announced a series of agreements with some of the world’s largest banks, including a substantial alliance with Morgan Stanley. To most investors Morgan Stanley does not need an introduction, for those that do, Morgan Stanley are a global financial services firm and a market leader in securities, asset management and credit services. With global Morgan Stanley Headquarters in New York City, Morgan Stanley operate in 36 countries with over 600 offices and 60,000 employees.
As a long term provider of investment products, Morgan Stanley take advice from their award winning research department to produce a range of structured products with an objective to find the most attractive way for investors to achieve the exposure they need, with the required balance of risk and reward. According to James Green, the relationship is advantageous for both Morgan Stanley and deVere, Morgan Stanley have access to 60,000 deVere clients in 110 different countries and deVere are able to secure products with the highest quality ensuring the best returns for their clients.
What are Structured Notes & Structured Products?
Structured Products (while referring to Morgan Stanley Structured Notes) are also known as market linked products and are simply pre-packed investment strategies which are based on derivates. Structured products are becoming increasingly more attractive for asset allocation whilst investors have a strong preference for products which offer protection for sharp downside movements in the markets. Morgan Stanley, who are one of the leading providers of Structured Products, use structured products to meet specific needs that cannot be met from the standard financial instruments available in the market. Structured Products and Morgan Stanley structured products can be used as an alternative to a direct investment as part of an asset allocation process to reduce the risk exposure of a portfolio, or simply used to exploit the current market trends.
James Green at deVere suggests Structured Products also are becoming more popular due to clients request for transparency with investments. The days in which clients will only buy Funds and rely on a Fund Manager choosing a portfolio of 50-60 companies to achieve returns are gone, now clients are much more aware of where their money is invested and how it is performing. Most Structured Products and indeed the Morgan Stanley Structured Products pay an agreed proportion of the capital invested at the maturity date, although this capital protection may depend on certain conditions being met, for example, only if the index has not fallen by more than 50% during the term.
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