Minimum investment amount £5000
The iBC FTSE 100 EW45 Quarterly 100 Kick Out April 2026 – MS10463 plan is a maximum 10-years, 3-week investment offering 2.60% quarterly Growth potential (10.40%pa). This plan is only available on an advised basis.
Important: The closing date for applications by cheque is 24 April 2026 and by bank transfer is 28 April 2026.
The closing date for ISA transfer applications is 14 April 2026.
Product Literature And Forms
You should always read the relevant plan brochure and any other plan documentation, for full details of the plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions, there are other important documents, including a Key Information Document (‘KID’), that you should consider before deciding to invest in the plan.
If you do not fully understand the risks or are unsure as to the suitability of the investment, please contact us
How To Invest?
Please note: This plan is available on an advised basis only. If you are interested in this plan, please telephone us on 01639 860111 to arrange a free consultation.
1. Call for a free initial telephone consultation. If you wish to progress the process of the product purchase, the regulatory process of ‘advice’ must commence.
2. The completion of a financial review – which will confirm details of your income/capital and investment needs and experience.
3. The completion of a risk profiler – which will help to measure your attitude to risk.
This process will enable ‘advice’ to be provided in relation to the suitability of the product to meet with your needs. The fee for this service and process is 1.5% (subject to a minimum fee of £300) for focused advice – which is focused and narrowed to the suitability of the structured product you want to purchase.
Further Information
The iBC FTSE 100 EW45 Quarterly 100 Kick Out April 2026 – MS10463 plan is a maximum 10-years, 3-week investment offering 2.60% quarterly Growth potential (10.40%pa). This plan is only available on an advised basis.
Investment Return: The plan starts on the Start Date. On a Measurement Date, if the level of the Index is at or above a defined percentage of its Start Level, the plan will end and pay Growth equal to 2.60% of the money invested for every 3 months the plan has been in force. This is called a Kick Out and the barrier level is called the Kick Out Barrier. The first date this can happen is 30 April 2027. If the plan reaches the End Date, the Index will be measured for the last time. If the End Level of the Index is at or above 100% of its Start Level, the plan will pay Growth equal to 104% of the money invested, otherwise, no Growth will be achieved.
Kick Out Barrier: 100% (measured quarterly after 1 year)
Capital Return: Customers will get all their invested money back on a Kick Out; or, at the End Date if the End Level of the Index is at or above 60% of its Start Level. This barrier level is called the Loss Barrier. If the End Level of the Index is below 60% of its Start Level, customers will lose money proportional to the fall in the Index.
About Morgan Stanley & Co International PLC: The underlying financial contracts in this plan are manufactured by an investment bank. Because they are ultimately responsible for any payment obligations such as any money made from the plan and the repayment of invested money, they are considered the Counterparty.
More specifically, the Counterparty to this plan is Morgan Stanley & Co International PLC in its capacity as issuer of the financial contracts.
The financial contracts will be notes linked to the performance of preference shares issued by Sienna Finance UK Limited. This arrangement effectively loans your money to the Counterparty, entitling you to the features of this plan. More information can be found in the Base Prospectus dated 18 December 2025 and any supplements thereto.
What Are The Risks Of The Plan?
As with all forms of investment there are risks involved. These plans do not guarantee to repay the money invested. The potential returns of the plans and repayment of the money invested are dependent the level of the underlying asset(s) or index / indices to which the return is linked and also on the financial stability of the Issuer and Counterparty.
Past performance is not a guide to future performance and may not be repeated. Investment involves risk. The performance data does not take account of the commissions and costs incurred on the issue and redemption of shares. The value of investments and the income from them may go down as well as up and investors may not get back any of the amount originally invested. Because of this, an investor is not certain to make a profit on an investment and may lose money. Exchange rate changes may cause the value of overseas investments to rise or fall.
The promotion of the plans does not constitute ‘advice’ to invest. Advice is always specific to an individual investor’s circumstances and needs, following the process of ‘know your customer’, with the aim of ensuring that any product is suitable for an investor.
As always, the recommendation and common-sense approach is to consider product solutions as a portfolio, never over-exposing oneself to a point of financial pain and suffering liquidity or counterparty over exposure.