Steady Income in Uncertain Times: Your Fixed Income Advantage
IDAD’s latest Fixed Income Structured Product in partnership with Morgan Stanley offers a compelling solution for UK investors seeking reliable returns in today’s uncertain market. With an annual fixed yield of 6% p.a. (paid monthly), this product provides a competitive and predictable income, making it especially attractive to income-focused and risk-averse clients.
This 6.00% per annum income, is paid irrespective of the performance of the FTSE 100 Index and the S&P 500 index (linked underlyings).
This plan has a 65% European Protection Barrier, meaning investors’ capital is only at risk if either of the underlyings has fallen by 35% or more at maturity.
The fixed 6% per annum return outperforms traditional savings accounts and UK government bonds, delivering peace of mind and consistent monthly payouts—ideal for retirees or anyone needing a steady income to cover daily expenses. This reliability simplifies budgeting and financial planning.
Additionally, the product enhances portfolio diversification. Its low volatility stabilises growth-oriented investments while providing dependable returns. It also protects against potential interest rate cuts, allowing clients to maintain attractive yields as traditional fixed-income options face declining returns.
While not directly tied to inflation, the 6% per annum income serves as a partial hedge, outperforming many deposit accounts and bonds, helping investors preserve their purchasing power. Compared to savings accounts, government bonds, and dividend-paying stocks, it offers higher yields, predictable payouts, and reduced market risk.
This offering has earned an outstanding FVC (Future Value Consultants) score of 8.33, positioning it at the pinnacle of available fixed income plans in the market as of today.*
The Fixed Income feature of this plan speaks for itself. However, to provide a deeper insight into the robustness of this plan, a backtest analysis was conducted to evaluate the likelihood of a 35% barrier breach at maturity. Historical data from the FTSE 100 Index and S&P 500 Index reveals that over the past two decades:

The Fixed Income feature of this plan speaks for itself. However, to provide a deeper insight into the robustness of this plan, a backtest analysis was conducted to evaluate the likelihood of a 35% barrier breach at maturity. Historical data from the FTSE 100 Index and S&P 500 Index reveals that over the past two decades:
- The 35% drop threshold has not breached any of the 3,652 scenarios tested on the backtest.**
This analysis underscores the plan’s strength as a fixed income investment option, offering reliable income alongside a high likelihood of capital protection.
With IDAD’s proven track record for innovative investment solutions, this product is well-suited for income-focused investors and those looking to diversify their portfolios.
Available in SIPPs / ISA / Trustee Application / Individual Application / Offshore Bonds / Charities and Corporates
*23/01/2025
As with any investment, it is essential to understand the risks involved. The potential for capital loss exists should the barrier condition be breached. We recommend consulting with your financial advisor to determine if this plan aligns with your investment goals.
**Important Risk Warning Past performance is not a guide to future performance. The potential for capital loss exists should the barrier condition be breached. Investors should carefully consider the risks associated with this plan and consult with a financial advisor to ensure it aligns with their investment objectives and risk tolerance.
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