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Structured Income ISAs

Investment Fund ISAs

Invesco Perpetual Monthly Income Plus Fund

from Invesco Perpetual

Income Yield 5.68%

Income Paid Monthly. Popular income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in Government bonds and UK equities. You can access this fund through the Standard Life Fund Supermarket.

Henderson Preference and Bond

from Henderson

Income Yield 4.90%

Income Paid Quarterly. To provide a return by investing primarily in sterling denominated preference shares, Government securities, corporate bonds, Eurobonds and other bonds. You can access this fund through the Standard Life Fund Supermarket.

Woodford Equity Income Fund

from Woodford

Income Yield 3.70%

Income Paid Quarterly.The fund’s investment objective is to provide investors with long-term appreciation through investing in stocks primarily listed on the UK stock exchanges. You can access this fund through the Standard Life Fund Supermarket.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years

Why we like it: Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

  • Currently 0% platform default rate
  • Access to your capital
  • EIS, SEIS & IFISA tax relief
  • Balance your level of risk
  • *Capital at risk

Investment Income Plan ISAs

Investec FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.92% fixed income
  • Counterparty: Investec Bank plc
  • Term: 6 years
  • 4.92% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 9 September 2016
  • Investment deadline for direct and 2016/17 ISA applications - 23 September 2016
  • 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 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.

Investment Growth Plan ISAs

Investec FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.50% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years
  • 9.50% 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 2016/17 ISA, ISA transfer and direct investment
  • 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. 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.

Investment Income Plan ISAs

FTSE Dual Option Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 7.00%
  • Counterparty: Natixis
  • Term: 6 Years
  • Potential quarterly income: 1.75% (equivalent to 7% annually)
  • Income paid even if FTSE 100 falls by 20%
  • 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

FTSE Contingent Income Plan

from Focus

Allow ISA Transfers
Annual Income Up to 6.00%
  • Counterparty: Credit Suisse AG
  • Term: Up to 6 years
  • Up to 6.00% per year based on the performance of the FTSE 100 Index
  • Income paid even if Index falls by up to 25%
  • Quarterly payments
  • Plan can mature early each quarter from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £5,000
  • 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. 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.

Investment Growth Plan ISAs

Meteor FTSE Kick Out Plan

from Meteor

Allow ISA Transfers
Maximum Potential Return 9.00% after year 1
  • Counterparty: BNP Paribas
  • Term: Up to 6 years
  • 9.% after year 1 plus additional 9% for each additional year (not compounded) provided the FTSE 100 Index finishes at or above its starting value
  • 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 the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • 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.

Focus FTSE Kick Out Plan

from Focus

Allow ISA Transfers
Maximum Potential Return 10.00% after year 1
  • Counterparty: Credit Suisse
  • Term: Up to 6 years
  • 10.% after year 1 plus additional 10% for each additional year (not compounded) provided the FTSE 100 Index finishes at or above its starting value
  • 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 the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • 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.

Deposit Cash ISAs

Investec FTSE 100 Kick Out Deposit Plan

from Investec

ISA Option
Maximum Potential Return 2.75% per annum
  • Deposit Taker: Investec Bank plc
  • Term: Up to 6 years
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • ISA transfers accepted
  • Opportunity to mature early at year 3, 4 or 5
  • Short/medium term alternative to fixed rates
  • Minimum single Investment - £3,000
  • This plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
  • Limited offer - deadlines apply. May close early if oversubscribed

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

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.

Share Dealing ISAs

Barclays Share Dealing ISA

from Barclays

  • Trade From (frequent trader rate): £5.95
  • Trade From (standard trader rate): £11.95

Why we like it: Barclays Stockbrokers has been voted ‘Self Select ISA Provider of the Year’ at the ADVFN International Financial Awards 2016. Choose from over 2,000 funds, shares, ETFs, investment trusts, gilts, bonds and more. Now with ISA flexibility, withdraw and replace cash from a flexible ISA during the same tax year without it counting towards your annual ISA allowance.

Capital’s at risk. Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances

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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Over 500,000 Help To Buy ISAs Opened Since Launch

13th July 2016

If you are saving to buy your first home, save money into a Help to Buy ISA and the government will boost your savings by 25%. So, for every £200 you save, receive a government bonus of £50. The maximum government bonus you can receive is £3,000.

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