Maximise Your Cash Potential with Morgan Stanley & Coleman Wealth
4.0% per annum Net Return | Daily Liquidity | "A" Rated Security |
The coupon is paid at Overnight SONIA -0.70%,
"Should the Overnight SONIA fall below 0.70%, the product will pay no coupon for this period only.”
Why Settle for Less?
Traditional savings accounts and deposits often underdeliver. The Morgan Stanley Coleman GBP Cash Optimiser offers a secure, high-yielding alternative, exclusively designed for discerning investors.
Net Return
4.0% p.a. net return (after fees)
coupon paid at a rate of "Overnight SONIA -0.70%" – Optimise your cash without sacrificing security
Daily Liquidity
Access your funds anytime with no penalties or additional fees.
"A" Rated Stability
Our innovative financial solutions are designed to optimize your investments and help you achieve long-term success.
Don’t let your cash sit idle—make it work smarter.
What is the Morgan Stanley Coleman Cash Optimiser?
This is an Actively Managed Certificate (AMC) that provides a low-risk, high-liquidity solution for investors, combining:
Synthetically investing in cash and treasury futures.
Capital preservation with steady returns
Institutional-grade management with full flexibility
Minimum Investment: £100,000 | Tenor: 3 Years (Extendable to 10 Years)
Cash Remunerated at SONIA – 4.0% p.a. (as of 04/02/2025, net of fees).
The coupon is paid at Overnight SONIA -0.70%, "Should the Overnight SONIA fall below 0.70%, the product will pay no coupon for this period only.”
Cash Remunerated at SONIA – 4.0% p.a. (as of 04/02/2025, net of fees).
Built on Trust and Performance
Who's This Perfect For
Investors seeking a secure, high-yielding alternative to traditional savings
Those who want daily liquidity without penalties.
Clients who value institutional-grade security and trust.
Don’t let underperforming savings hold you back—unlock smarter cash management today.
A+ rated financial stability
Backed by Morgan Stanley’s global reputation.
Expert risk management
Institutional-grade oversight and security.
Huge scale and strength
Morgan Stanley has over £1.2 Trillion of funds under administration
Frequently Asked Questions
What is the Morgan Stanley Coleman GBP Cash Optimiser?
The Morgan Stanley Coleman GBP Cash Optimiser is an Actively Managed Certificate (AMC) offering an Overnight SONIA -0.70%, with a floor at 0.70%, meaning Should the Overnight SONIA fall below 0.70%, the product will pay no coupon for this period only. 4.0% p.a. net return (after fees) with daily liquidity, providing a secure and flexible alternative to traditional cash investments.
How does it generate returns?
The Optimiser invests in high-quality cash and treasury instruments, remunerated at SONIA (Sterling Overnight Index Average) - 0.70% return structure, with a floor at 0.70%, meaning Should the Overnight SONIA fall below 0.70%, the product will pay no coupon for this period only, currently 4.0% p.a. (as of 04/02/2025, net of fees).
What is the minimum investment amount?
The minimum investment required is £100,000.
Can I access my funds at any time?
Yes! Daily liquidity means you can withdraw funds at any time without penalties or additional fees.
Who manages this investment?
The product is exclusively managed by Coleman Wealth, with Morgan Stanley & Co. International plc as the issuer.
How safe is my investment?
Morgan Stanley is one of the world’s leading financial institutions, holding an A+ credit rating (S&P), AA- (Fitch) and Aa3 (Moody’s), ensuring high financial stability and security.
What fees are associated with the investment?
Fees are transparent and competitive, consisting of:
✔ Morgan Stanley AMC Platform Fee: 0.10% p.a.
✔ AMC Advisor Management Fee: 0.60% p.a.
The coupon is paid at Overnight SONIA -0.70%, with a floor at 0.70%, Should the Overnight SONIA fall below 0.70%, the product will pay no coupon for this period only.
How does this compare to a traditional savings account?
Unlike traditional deposit accounts, that often require your funds to be locked up for a set term and there are often limitations on the upper amount you can place in the product, the MS Coleman GBP Cash Optimiser provides:
✔️ Higher returns (4.0% p.a. net of fees)
✔️ Daily liquidity with no penalties
✔️ Security backed by Morgan Stanley’s A+ rating
Is my investment locked in for a fixed term?
The product has an initial 3-year term, which can be extended up to 10 years, but you retain full access to your funds daily.
How can I invest??
To get started, simply contact Coleman Wealth to discuss eligibility and begin your investment journey.
Act Now!
Unlock Your Cash’s Full Potential For Growth
Invest in one of the few A-rated cash deposit products available worldwide
Disclaimer
DISCLAIMERS
SALES & TRADING COMMUNICATION
(Not a product of MS Research)
FOR INSTITUTIONAL USE ONLY – NOT INTENDED FOR REDISTRIBUTION
Important Information and Qualifications
The information provided herein was prepared by sales, trading, or other non-research personnel of one of the following entities:
Morgan Stanley & Co. LLC Morgan Stanley & Co. International PLC Morgan Stanley Europe SE Morgan Stanley MUFG Securities Co., Ltd Morgan Stanley Capital Group Inc. Morgan Stanley Asia Limited
(Together with their affiliates, hereinafter “Morgan Stanley”)
This communication is a marketing communication and not a research report, though it may refer to a Morgan Stanley Research report or the views of a Morgan Stanley research analyst . We do not comment on the fundamentals of any companies mentioned. Unless indicated, all views expressed herein are those of the author and may differ from or conflict with those of Morgan Stanley Research or others in the Firm.
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Hypothetical performance results have inherent limitations:
They are prepared with hindsight bias and may not reflect actual market conditions. They do not account for financial risk, trading losses, or behavioral factors that impact real-world trading. There are numerous unaccounted-for market factors that can affect trading outcomes.
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