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Legal & General FTSE 100 Tracker Fund ISA

from Legal & General

ISA Option
Allows ISA Transfers
Regular Savings
  • Fund Choice: FTSE 100
  • Invest From: £20 pm
  • Investment Options: The fund invests in some of the largest names in the stock market, and tracks the performance of the FTSE 100 Index

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.

Fully Managed Stocks and Shares ISA

from Nutmeg

Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Fully Managed and Fixed Allocation Portfolios
  • 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.

Investment Fund ISAs

High Income Trust ISA

from Legal & General

Income Yield 5.50% pa - Interest Payable Quarterly*
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.

*Underlying yield as at September 2018

Investment Growth Plan ISAs

FTSE/Euro Stoxx Defensive Autocall Plan

from Dura Capital

Maximum Potential Return 9.00% per annum
  • Counterparty: Credit Suisse
  • Term: Up to 7 years
  • 9% for each year (not compounded) provided the FTSE 100 and Euro Stoxx 50 finishes above autocall level
  • Required autocall level reduces from 100% to to 75% over the term
  • Potential to mature early, from year 2 onwards
  • Available for ISA and direct investment
  • Plan not currently availalable for ISA transfer applications
  • Capital is at risk if the FTSE 100 Index has fallen by more than 35% 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

Calculate your interest with this plan

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

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 100 Enhanced Income Plan

from Investec

Allow ISA Transfers
Annual Income 4.20% fixed income
  • 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.

Investment Growth Plan ISAs

FTSE 100 Enhanced Kick Out Plan

from Investec

Allow ISA Transfers
Maximum Potential Return 10.25% per annum
  • 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.

Nationwide ISA

Nationwide ISA options currently include a selection of Cash ISA’s plans such as 1, 2 and 3 year fixed rate options and instant options as well as offering a stocks & shares ISA and junior ISA. However before you decides it’s a good idea to shop around to make sure you get the most from your annual allowance, why not check out the comparison table below to check a selection of top, best buys to see if you can decide which plan is best for you:

Nationwide Cash ISA’s:

  • Fixed rate: Offer a choice of 1, 2 and 3 year fixed rate ISA’s. These allow you to transfer in a set amount when you open the account and lock it was for a set period of time, you cannot however make and withdrawals in this period, the longer you can lock your money away for the better fixed rate, tax free interest you can earn.
  • Flexiclusive ISA: Exclusively available to Nationwide main current account customers, allows you to earn tax free interest, while maintaining the ability to transfer in and make unlimited withdrawals, full closure or transfer to another ISA provider at any time.
  • Instant ISA Saver: Same features as the Flexiclusive ISA but available to non-Nationwide main current account customers.
  • Nationwide also offer a stocks and shares ISA and junior ISA

About ISAs

Cash ISAs

A Cash ISA works fairly similarly to normal savings accounts offered by a bank or building society, You get the benefit however of earning interest at a tax-free rate up until your maximum allowance, you are only to have one Cash ISA each tax year, however you are allowed to also open a stocks & shares ISA and break your allowance up between the two. Providers tend to offer different choices of Cash ISA such as; Instant Access, Easy Access and Fixed Rate ISAs.

Stocks & Shares ISA’s

Despite being another kind of Individual Savings Account, Stocks and shares ISA’s differ considerable from their cash alternative. A stock and shares ISA is a tax-efficient investment account, you get the option of putting money into different investments such as; funds, trusts and corporate bonds. You don’t pay capital gains tax on gains made within your ISA, but you do on dividends. As this option involves risk, your capital is not protected and if the value of your investments decrease you can end up getting less than you put in.

Junior ISAs

Young people aged under 18 are permitted to have a Junior ISA. Those aged over 16 may open one themselves or you can open a junior ISA for a child under 16 that you have parental responsibility of. Money placed in either type of junior ISA cannot be withdrawn until on or after their 18th birthday.

Transferring an ISA

Providers of ISA’s have to allow them to be transferred to other providers; however a provider does not have to allow a saver to make a transfer to a new ISA with them. Transferring an ISA can be a good way to ensure you are always getting the best rate, however if your existing ISA has a transfer penalty it can be wise to first work out if, factoring the penalty in, you would stand to earn more by staying with your existing arrangement. 

ISA idea for tax free income

Best ISA Ideas For Growth


The opportunity for a high fixed tax free monthly income.

Maximise your 2017-18 allowance!

Invest from £3,000

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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.

High Income ISAs

High income ISA ideas:

ISAs Products

Cash ISAs

Fixed Rate & Instant Access ISAs:

Cash ISAs: 

Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

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