Part of Fair Investment Company
Children's ISA
Children's ISAs are expected to be available from November 2011. The Government has announced plans to introduce children's ISAs – known as junior ISAs – to replace Child Trust Funds, which are no longer available. Any child who already has a CTF will not be eligible for a children's ISA.
Like standard ISAs, the children's ISA will offer tax-free savings and investments, capped at £3,000 per tax year, in the form of cash and stocks and shares. They will only be able to hold one cash ISA and one stocks and shares ISA at any time; transfers will be allowed between them, or to a new provider. Any person with parental responsibility can open a children's ISA, and any person or organisation will be able to contribute to it. Management will pass to the child when they reach 16, and they will be able to access the funds at 18, when the children's ISA will automatically become an adult ISA. Unlike CTFs, the Government will not be contributing into children's ISAs.
| Provider | Account | Interest Rate (AER) | Term | Apply |
|---|---|---|---|---|
 | Legal & General Inflation Protected Deposit Bond | RPI Tracker | 5 Years | Apply Now > |
| 5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap, or a minimum return of 16%. Also available for Cash ISA and Cash ISA transfer. | ||||
 | Investec FTSE 100 3 Year Deposit Plan | 19% | 3 Years | Apply Now > |
| This structured capital protected deposit plan offers a maximum return of 19% at maturity. Also available for Cash ISA and Cash ISA transfer. | ||||
 | Meteor Income Deposit Plan | 7.25% | 6 Years | Apply Now > |
| A 6 year capital protected structured deposit plan designed to pay 7.25% annual income. Also available as a cash ISA and ISA transfer. | ||||
*Income payments and returns are dependent on the performance of the FTSE 100 index.
| Product Name | ISA Option | Income Yield | More Info | |
|---|---|---|---|---|
| FTSE 100 Bonus Income Plan |  | 7.50% per annum | More Info > |
| 5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer. | ||||
 | Income Builder | | 7.50% per annum | More Info > |
| A 5 years and 3 weeks structured investment plan paying a potential maximum quarterly income of 1.875% (equivalent to 7.50% per year). Also available for Stocks & Shares ISA and ISA transfer. | ||||
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.
| Provider | Plan Name | Maximum Potential Return* | Term | More Info |
|---|---|---|---|---|
| FTSE 100 Enhanced Kick Out Plan Investec Version | 13.50% per annum | Up to 5 years | More Info > |
| Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer. | ||||
 | FTSE Bonus Growth Plan | 12.50% per annum | Up to 6 years | More Info > |
| 6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer | ||||
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.
| Product Name | ISA Option | Income Yield | More Info | |
|---|---|---|---|---|
 | Monthly Income Plus Fund | | More Info > | |
| Popular monthly 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. 100% discount on initial charges. |
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 | Higher Income Fund | | More 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. 100% discount on initial charges. | ||||
**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.
| Provider | Account | Charge From | Online | |
|---|---|---|---|---|
 | Self Select Stocks and Shares ISA | £11.95 per UK online trade | | Apply Now > |
 | Self Select Shares ISA | £12.50 per online trade | | Apply Now > |
 | Stocks and Shares ISA | £12.50 per online trade | | Apply Now > |
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.
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 style of Fair Investment Company Limited, which is authorised and regulated by the Financial Services Authority (FSA). Fair Investment Company Limited is entered on the FSA register (www.fsa.gov.uk) under reference number 192852. Registered in England no. 3980180. Registered address: Kings House, 14 Orchard Street, Bristol, BS1 5EH.
The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.
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