JamesCaldwell

Best ISAs

Compare Best ISA Deals

Make sure you shop around for the best ISA deal.

 

James Caldwell, Director

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info

Kick Out DepositInvestec Bank plcyesUp to
6 years
5.5%
per annum
More Info >
  • 5.5% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Also available for Cash NISAs & NISA transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 

5 Year Deposit Plus PlanInvestec Bank plcyes5 years30% fixed or 100% of FTSE 100 growth (no limit)More Info >
  • Target return of 30% gross or 100% of any growth in the Index if higher
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Also available for Cash NISA & NISA Transfers
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only recieve a return of your original capital
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.
Income Investment ISA Selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info

FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.64%
fixed income per annum
More Info >
  • 5.64% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 12 September 2014
  • Investment deadline for direct and NISA - 26 September 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

FTSE 5 Monthly Income PlanMorgan Stanley BVyes6 years7.62%
fixed income per annum
More Info >
  • 7.62% fixed income paid regardless of the performance of five FTSE 100 shares
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 12 September 2014
  • Investment deadline for direct and NISA by cheque - 19 September 2014 
  • Investment deadline for direct and NISA by bank transfer - 24 September 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at the end of the term, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

FTSE 4 Quarterly Income PlanCredit Suisse AGyes
6 years
9%
per annum
More Info >
  • Up to 9% per year based on four FTSE 100 shares staying above 60% of their opening values
  • Quarterly payments
  • Available for NISA, NISA transfer and direct (non-NISA) investment
  • Investment deadline NISA transfers - 29 August 2014
  • Investment deadline for direct and NISA by cheque - 5 September 2014
  • Investment deadline for direct and NISA by bank transfer - 10 September 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Growth ISA Selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info

FTSE 4 / FTSE 100 Defensive Kick Out PlanCredit Suisse AGyesUp to
6 years
17%
after 18 months
More Info >
  • 17% after 18 months, or 17% plus an additioanl 6% for each six months thereafter provided four FTSE 100 stocks finish equal to or higher than the required kick out level
  • Potential to mature early every six months, from 18 months onwards
  • Kick out level reduces from 100% to 75% over the term
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline NISA transfers - 1 August 2014
  • Investment deadline for direct and NISA by cheque - 8 August 2014
  • Investment deadline for direct and NISA by bank transfer - 13 August 2014
  • Capital is at risk if one or more stocks has fallen by more than 40% at maturity from their starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing stock
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years
10.5%
per annum
More Info >
  • 10.5% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Alternative collaterised option also available returning a potential 8.25%
  • Potential to mature early, from year 2 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline NISA transfers - 12 September 2014 
  • Investment deadline for direct and NISA - 26 September 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term

UK Kick-out PlanAviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plcyesUp to
6 years
8.1%
per annum
More Info >
  • 8.1% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value
  • Potential to mature early, from year 2 onwards
  • Available for NISA, NISA transfer and direct investment
  • Investment deadline stocks and shares NISA transfers - 22 August 2014
  • Investment deadline for cash NISA transfers - 29 August 2014
  • Investment deadline for direct and NISA - 12 September 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Income Fund ISA Selection
Fund ManagerFundFund Manager Initial ChargeYour SavingSavingAMCIncome YieldSelect FundFact SheetMore Info

Newton Higher Income0%4.00%£4270.75%5.4%yesFactsheetMore Info >
Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. See latest fund factsheet for details.

Invesco Perpetual Monthly Income Plus0%5%£5340.63%5.25%yesFactsheetMore Info >
Income Paid Monthly. Popular income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. See latest fund factsheet for details.

Invesco Perpetual Distribution0%5%£5340.69%4.7%yesFactsheetMore Info >
Income Paid Monthly. Invesco Perpetual Distribution offers a balance between both income and capital growth through investment in UK based equities and fixed interest securities. See latest fund factsheet for details.
*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

Growth Fund ISA Selection
Fund ManagerFundFund Manager Initial ChargeYour SavingSavingAMCSelect FundFact SheetMore Info

M&G Recovery0%4.00%£4270.75%yesFactsheetMore Info >
The Fund’s sole aim is capital growth by investing predominantly in a diversified range of securities issued by companies which are out of favour, in difficulty or whose future prospects are not fully recognised by the market. See latest fund factsheet for details.

Newton Real Return 0%4.00%£4270.75%yesFactsheetMore Info >
Income Paid Twice Yearly. Aims to achieve significant real rates of return through investments in both UK and international equities and bonds. See Factsheet for latest details.

Investec Cautious Managed0%4.50%£4800.75%yesFactsheetMore Info >
The Fund aims to provide a combination of income and long term capital growth by investing conservatively in a diversified portfolio of equities, bonds and other fixed interest securities of high quality and marketability. At all times the Fund’s equity exposure will be limited to a maximum of 60% of the portfolio value. See latest fund factsheet for details.

Best ISAs

Finding the best ISA account online can seem daunting with so many to choose from. When choosing an ISA, there are a number of things to consider:

  • Timescale of investment - If you need access to you capital and you are not looking to invest for the long term you should consider a Cash ISA. If you are happy to tie up capital for the medium to longer term you may wish to consider a Stocks and Shares ISA which has the potential to beat cash over the longer term
  • Attitude to investment risk - If you are not prepared to lose capital then a Cash ISa is probably the better option for you. It should be remembered that over the long term inflation can erode your capital in real terms so getting a good rate of interest on your cash ISA should be a priority. If you are prepared to risk capital to achieve higher potential eturns then a stocks and shares ISA should be considered.
  • Charges - different ISA plans will have different charges. It is important that you are aware of what these are and how they could effect your ISA performance.

After you have answered the above questions, use the comparison tables on this site to help find a suitable ISA. We recommend that you seek financial advice from an independent financial adviser if you are unsure about what you want. ISAs are great ways to save both for lump sum and regular savings - to ensure your get the best ISA for your circumstances invest some time in researching your options.

Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

www.isa.co.uk is a trading name of Fair Investment Company Ltd which is authorised and regulated by the Financial Conduct Authority.