ISA Ideas

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

Compare ISAs

Compare Latest ISA Deals

"Use our ISA service to compare the latest Cash ISA and Investment ISA Plans"

 

James Caldwell, Director

Cash ISA Selection

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc		3 years	17.25%	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 Plan	Royal Bank of Scotland plc		6 Years	7.00% 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 2	Investec Bank plc		Up 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

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	Income Builder Plus	Morgan Stanley		5 years	8.40% 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

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc		Up 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 Plan	Morgan Stanley		Up to 6 years	9.50% 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 Plan			6 years	100%	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 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%	7.02%		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%	7.01%		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%	6.70%		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 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.