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First Direct ISA

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Stocks & Shares ISA

from Prudential

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Four unique PruFunds
  • Invest From: £50 p.m. or £500 lump sum
  • Investment Options: Lump sums, regular savings and ISA transfers

Why we like it: Choose from 4 unique PruFund Funds, each one with a different level of risk and managed by Prudential’s in-house experts, and you can keep track of your investments 24/7 using their online valuation service. Open with as little as £50 per month or a one off lump sum of £500. The application process takes around 10 minutes and they also have a simple transfer process if you already have ISAs that you wish to move across. Other benefits include one simple annual management charge and no exit fee.

Investment Income Plan ISAs

FTSE 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.35% fixed income
  • Counterparty: Investec Bank plc
  • Term: 5 years

Why we like it: Fixed income, fixed term, monthly payments and your capital back unless the FTSE falls by more than 50%. 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.

  • 4.35% 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.

Peer to Peer Lending ISAs

CROWD2FUND

from CROWD2FUND

ISA Option
Allows ISA Transfers
Regular Savings
Interest Rate Earn an estimated 8.70% APR on your investments
  • Term: 1 - 5 Years
  • Invest From: £10

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
  • Peer to peer lending is not covered by the FSCS
Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 9.65% per annum
  • Counterparty: Investec Bank plc
  • Term: Up to 6 years

Why we like it: 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% annual growth.

  • 9.65% 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.

Fixed Rate Cash ISAs

3 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.25%
  • Term: 3 Years

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

  • 1.85% gross/AER fixed for 3 years.
  • £1,000 minimum opening balance

Calculate your interest with this plan

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

2 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.20%
  • Term: 2 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

1 Year Fixed Rate Cash ISA

from Aldermore

Interest Rate (AER) 1.00%
  • Term: 1 Year

'Winner' – ISA Provider of the Year for the 5th year running Consumer Moneyfacts Awards 2011-15

 First Direct ISA

You may be wondering if a First Direct ISA is the best place to put your annual maximum allowance, First Direct have both Cash and Socks & Shares ISA options, however in addition to seeing what a First Direct ISA can offer you should shop around to see what other providers can offer too, you can use the table below to compare a selection of best buys from various different providers to see if you can find the best buy plan for your specific needs.

First Direct ISA

 

First Direct Cash ISA

The First Direct Cash ISA lets you earn tax free interest at a variable rate on savings from £1. Interest is calculated daily and paid money and instant access can be done by transfer to another First Direct Account. Transfers from other providers are allowed.

First Direct Stocks & Shares ISA

The First Direct Stocks & Shares ISA offers a tax-efficient wrapper for you to self-select investments in eligible equities; trades can be made both online and over the telephone.

 

Types of ISA

Before you take out any kind of Individual Savings Account is a good idea to understand it’s features and to shop around to make sure you are making the best choice for your personal circumstances. There are two distinct categories of ISA; Cash and Stocks & Shares. You are not allowed to have more than one of each type of ISA in each tax year. If you decide to open of each type of ISA then your annual maximum allowance still stays the same so you will have to break it up between the two ISAs but you can do so at any ratio you desire.

 

  • Cash ISAs – These are essentially a savings account, the only real difference from any other savings account offered by a bank or building society is up to your maximum allowance any interest that accumulates on the account is tax-free. A provider may offer different types of ISA that offer different levels of access to your saving of the term of the investment, Such as; Fixed rate which usually require the saver to lock their cash away without access for a fixed term, Instant Access which allow you to make withdrawals whenever you want and Easy Access accounts that provide limited access for withdrawals. Generally speaking less access to your savings during the term an account permits the better its rate of interest.

 

  • Stocks & Shares ISAs – This kind of ISA is not really an investment in themselves, they are instead tax-efficient investments accounts that can be used to invest in other products such as; gilts, funds, shares and stocks. There are self-select ISAs which allow you to directly choose investments others work on a collective investment scheme basis where money is pooled together into a fund with other investors. With ISAs you do not need to pay capital gains tax or income tax up to your maximum allowance, however you do still need to pay tax on dividends you might receive.

ISA Transfers

All providers have to allow you to transfer to another provider, however ISA providers do not necessarily have to allow transfers-in. Providers may put a penalty of transfers out so, factoring in that penalty you should first check before you move if you’d actually receive more interest overall staying put. 

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

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Cash ISAs

ISAs are a tax-advantageous way to save or invest, check out some of the ISA options below

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Fund ISAs

There are a range of types of fund ISA

Fund ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

What is the best investment ISA?

20th June 2017

People often ask: “what is the best investment ISA?” The answer to this question is not a simple one, with the best investment ISA for you depending on a number of factors. 

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