JamesCaldwell

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James Caldwell, Director

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info

FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years17.25%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed

Income Deposit PlanRoyal Bank of Scotland plcyes6 Years7.00%
per annum
More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed

FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plcyesUp to
5 years
6.00%
per annum
More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
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

Income Builder PlusMorgan Stanleyyes5 years8.40%
per annum
More Info >
  • 5 year structured investment plan
  • Potential maximum quarterly income of 2.10% (8.40% per year)
  • ISA transfers allowed
  • Capital at risk
  • Income is not guaranteed
  • Plan designed to be held for 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 100 Enhanced Kick Out Plan Investec VersionInvestec Bank plcyesUp to
5 years
13%
per annum
More Info >
  • 5 year structured investment plan
  • Potential for early maturity after years 1,2,3 and 4
  • ISA transfers allowed
  • Also available to businesses, charities & trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed

FTSE Defensive Bonus PlanMorgan StanleyyesUp to 6 years9.50%
per annum
More Info >
  • 6 year structured investment plan
  • Potential early maturity return of 9.50% x the number of years the plan has been active 
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed

FTSE Best Entry Growth Planyes6 years100%More Info >
  • 6 year structured investment plan
  • Growth return of 5 x any positive growth in the FTSE (maximum return of 100%)
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Returns linked to performance of FTSE 100 Index
  • Plan designed to be held for 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%£4271.50% 1.30%7.02%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%£5341.25% 1.05%7.01%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%£5341.38% 1.18%6.70%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%£4271.50% 1.30%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%£4271.50% 1.30%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%£4801.50% 1.30%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.

Compare ISAs 

Isa.co.uk allows you to compare the best isas on the market. We use up to date information from Fair Investment to bring you the leading products. The comparison tables on the site will allow you to compare different isa types such as Cash ISAs and Stocks & Shares 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 options. We also provide alternative cash ISa options for people looking for better retuurns than on offer from traditional fixed rate products but don't want to risk capital on the stockmarket. The current 2012/13 ISA allowance of £5,640 needs to be utilised by 5th April 2013.

Compare Stocks and Shares ISAs

A stocks and shares ISA is a great way of saving for people who are looking for their savings to work harder than a cash ISA. If you are happy that by by investing your money may go down as well as up then over the longer term your ISA has the potential to provide greater returns. Whether you are looking to invest a regular amount in a lump sum investing through a ISA provides the assurance that income and capital gains benefit from tax efficient growth. The full stocks and shares ISA allowance of £11,280 needs to be used by 5th April 2013.

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.

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