- Protection Scheme: FSCS
- Fund Choice: Managed, Tracker, Self-Select
- Invest From: £20 per month or £100 single
Why we like it: Legal & General has over 9.5 million customers in the UK, and £983.3 billion of assets under their management (as at 31st December 2017). Their Stocks & Shares ISA offers a wide range of investment options, whether you want ready-made funds, low cost index trackers, or the ability to pick your own. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.
- Protection Scheme: FSCS
- Fund Choice: Managed or Fixed Allocation
- Invest From: Min. £500 single (+ £100 pm for ISAs below £5,000)
Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that's fully managed by our expert team or a fixed allocation portfolio. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.
*Underlying yield as at September 2018
- Term: Easy Access
Withdraw money whenever you want, without any notice or penalties
- Minimum deposit £1
- Interest can be paid monthly or annually
- Unlimited deposits and withdrawals permitted
- Transfers in allowed
- FSCS Protected
- Must be 16 or over to apply
Calculate your interest with this plan
- Deposit Taker: Investec Bank plc
- Term: 6 years
"This plan offers a potential fixed return of 45%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.
The 45% return is equivalent to 6.38% compound growth each year, which is well over double the best fixed rate bond, and more than 4% per year higher than the top fixed rate Cash ISA.
The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”
- 45% fixed return if the Index is higher
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum deposit £3,000
- Plan designed to be held for full term
Calculate your interest with this plan
Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. 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.
- Deposit Taker: Investec Bank plc
- Term: 6 years
- Potential 3.50% per year based on the performance of the FTSE 100 Index
- Income paid even if Index falls by 25%
- Alternative monthly option also available paying up to 3.36% pa
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- Returns not guaranteed. You may only receive a return of your original capital
- Minimum deposit £3,000
- Plan designed to be held for full term
Calculate your interest with this plan
Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. 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.
- Term: 1 Year
- Minimum deposit £500
- Interest can be paid monthly or annually
- Transfers in allowed
- FSCS Protected
- Must be 16 or over to apply
- Early withdrawals subject to term breakage charge
Calculate your interest with this plan
Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return.
- Term: 2 Years
- Minimum deposit £500
- Interest can be paid monthly or annually.
- Transfers in allowed
- FSCS Protected
- Must be 16 or over to apply
- Early withdrawals subject to term breakage charge
Calculate your interest with this plan
'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15
- Term: 3 Years
'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15
- 1.80% gross/AER fixed for 3 years.
- £1,000 minimum opening balance
Calculate your interest with this plan
- Counterparty: Investec Bank plc
- Term: 5 years
Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 40%. By offering a high fixed income rather than a variable income based on the performance of the stock market, this plans offers something different to income seekers.
- 4.20% income paid regardless of the performance of the FTSE 100
- Monthly income
- Available for ISA, ISA transfer and direct investment
- Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £3,000
- An arrangement fee applies for 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. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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.
- Counterparty: Investec Bank
- Term: Maximum 8 years
If you’re looking for high income, then the ability to receive 7.50% per year even if the FTSE falls almost 20%, could be appealing.
- Up to 7.20% per year based on the performance of the FTSE 100 Index
- Income paid even if Index falls by 20%
- Quarterly payments
- Alternative option also available paying up to 5.80% pa if the FTSE doesn't drop by 40% or more
- Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £3,000
- An arrangement fee applies for this plan
- Product designed to be held for the full term
Calculate your interest with this plan
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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.
- Counterparty: Natixis
- Term: Up to 10 Years
With the current record low interest rate environment, income is high up on the agenda for many investors and so the ability to receive 5.00% per year even if the FTSE falls by up to 35%, is certainly worth a closer look.
- Potential monthly income: 0.417% (equivalent to 5.00% annually)
- Income paid even if FTSE 100 falls by 35%
- Potential to kick out quarterly from year 2 onwards
- Available for ISA, ISA transfers and direct investments
- Capital is at risk if the FTSE 100 Index falls by more than 40% 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 £5000
- 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. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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.
- Counterparty: Investec Bank plc
- Term: Up to 6 years
Kick out plans seem to attract particular interest when the market is at historically high levels since they can provide competitive returns even if the FTSE stays relatively flat with the potential for 10.25% annual growth.
- 10.25% 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
- Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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.
- Protection Scheme: FSCS
- Fund Choice: 2000+ Funds
- Invest From: £25 pm
Why we like it: It is simple to invest in a fund online. You will need to open an account first and then choose the fund you are interested in investing in. There are over 2,000 funds to choose from but to make it easier for you AJ Bell have created their favourite funds list which is their pick of the best funds.
- Protection Scheme: FSCS
- Fund Choice: 2,500+ Funds
- Invest From: £25 pm
Why we like it: Shelter up to £20,000 this tax year with the low cost, award-winning ISA. The UK's number 1 platform for private investors.
- Protection Scheme: FSCS
- Fund Choice: 2,000+ Funds
- Invest From: £50pm
Why we like it: Invest from as little as £50 a month or with a £1,000 lump sum. Investment choice from over 100 fund providers, giving you access to 2,000+ funds. One low-cost service fee of 0.35%*. Great service – from investment guidance on website through to UK-based phones team. PathFinder, Select 50, Investment Finder - investing tools for beginners to advanced investors. 24/7 access via online Account Management system. Capital at risk.
Important Information: * depending on how much you have invested
Why we like it: Legal & General has over 9.5 million customers in the UK, and £983.3 billion of assets under their management (as at 31st December 2017). Their Stocks & Shares ISA offers a wide range of investment options, whether you want ready-made funds, low cost index trackers, or the ability to pick your own. You can invest up to £20,000 this tax year, with a low minimum of £100 lump sum or £20 per month, and you can manage your account easily online. Please remember the value of your investment and any income from it may fall as well as rise and is not guaranteed. You may get back less than you invest.