ISA Ideas

• ISA Limits 2013
• Cash ISAs
• Stocks & Shares ISAs
• ISA Transfers
• Fund Supermarket ISAs
• Junior ISAs
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• Income ISAs
• Growth ISAs
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• ISAs Explained

Compare ISAs

Compare Latest ISA Deals

Our service makes it easy to compare the latest cash ISA, investment ISA and junior ISA deals, to help you find the option that's best for you.

 

James Caldwell, Director

Cash ISA Selection

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Deposit Growth Plan	Investec Bank plc		5 years	130% x any FTSE 100 growth (no limit)	More Info >
Return of 130% x any FTSE 100 growth, no upper limit Capital protected Low minimum - £3,000  Short/medium term alternative to fixed rates  Also available for Cash ISA & Cash ISA transfers 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

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

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Income Plan	Investec Bank plc		6 years	5.76% fixed income per annum	More Info >
5.76% income paid regardless of the performance of the FTSE 100 Monthly income Available for ISA, ISA transfer and direct investment  Investment deadline for ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 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 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

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan	Investec Bank plc		Up to 5 years	8.5% per annum	More Info >
8.5% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging) Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 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 Product designed to be held for the full term
	FTSE 100 Defined Returns Plan Investec Version	Investec Bank plc		Up to 5 years	67.5%	More Info >
Fixed return of either 40.5% at the end of year 3 or 67.5% at the end of year 5 provided the FTSE 100 finishes higher than its starting value (subject to averaging) Potential to mature early at the end of year 3 Available for ISA, ISA Transfer and Direct Investment Investment deadline ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 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 Giants Selector Plan	Morgan Stanley		6 years	Unlimited	More Info >
Growth linked to the performance of the best-performing 11 shares from the 20 largest FTSE 100 companies Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 24 May 2013 Investment deadline for direct and ISA - 3 June 2013 Capital is at risk if the FTSE 100 Index 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 Minimum investment £3,000 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 Manager	Fund	Fund Manager Initial Charge	Your Saving	Saving	AMC	Income Yield	Select Fund	Fact Sheet	More Info
	Newton Higher Income	0%	4.00%	£427	1.50% 1.30%	5.1%		Factsheet	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. See latest fund factsheet for details.
	Invesco Perpetual Monthly Income Plus	0%	5%	£534	1.25% 1.05%	6.1%		Factsheet	More 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 Distribution	0%	5%	£534	1.38% 1.18%	5.5%		Factsheet	More 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 Manager	Fund	Fund Manager Initial Charge	Your Saving	Saving	AMC	Select Fund	Fact Sheet	More Info
	M&G Recovery	0%	4.00%	£427	1.50% 1.30%		Factsheet	More 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%	£427	1.50% 1.30%		Factsheet	More 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 Managed	0%	4.50%	£480	1.50% 1.30%		Factsheet	More 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.

Compare ISAs 

Isa.co.uk allows you to compare some of the best ISAs on the market. We use up-to-date information from Fair Investment to bring you a selection of the leading products. The comparison tables on the site allow you to evaluate different ISA types such as cash ISAs and investment ISAs, including income and growth investment options.

Compare cash ISAs

Our cash ISA tables allow you to compare leading fixed rate and instant access cash ISA deals. We also provide alternative cash ISA options for people looking for better returns than those currently offered by traditional fixed rate products. For example, we include structured deposit plans, which offer the potential for FTSE 100-linked returns without risking capital on the stock market.

Compare stocks and shares ISAs

A stocks and shares ISA is a great way of saving for people who are looking to make their savings to work harder than in a cash ISA. If you're happy to accept a level of risk - and are aware that the value of your investments may go down as well as up over the longer term - then an investment ISA has the potential to provide greater returns. Whether you're looking to lay aside a regular amount or a lump sum, investing through an ISA ensures that your income and capital gains benefit from tax-efficient growth.

Types of ISA

You can have one of each type of ISA in any given tax year; e.g. one cash ISA and one stocks and shares ISA.

Cash ISAs

Cash ISA allowance - £5,760 per person, per year.

Cash ISA rules - You must be at least 16 and a UK resident or Crown employee. Transfers in, whether from existing cash ISAs and/or cash ISAs from previous years, are permitted. You cannot open more than one cash ISA per year.

Stocks and shares ISAs

Stocks and shares ISA allowance - £11,520 per person, per year.

Stocks and shares ISA rules - You must be over 18 and a UK resident or Crown employee. Transfers in from both investment and cash ISAs, from both current and previous years, are permitted. You cannot open more than one stocks and shares ISA per year.

Junior ISAs

Junior ISA allowance - £3,720 per child, per year. 

Hunior ISA rules - The child must be under 18 and live in the UK. They must not already hold a Child Trust Fund (CTF) account. Each eligible child is permitted to hold one junior cash ISA and one junior stocks and shares ISA in a year, as long as the total amount invested during the tax year does not exceed the allowance above. If child is under 16, someone with parental responsibility must open the account for them.