- 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, easy, online set up in minutes. Capital at risk.
Open a 1 Year Fixed Rate Cash ISA with Aldermore Bank to get a great return.
'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.
- 4.50% 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 7.50% 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 6% 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 6.50% per year even if the FTSE falls by up to 20%, is certainly worth a closer look.
- Potential monthly income: 0.5417% (equivalent to 6.50% annually)
- Income paid even if FTSE 100 falls by 20%
- Alternative option also available offering potential 0.417% per month (5.004% pa) if FTSE above 65%
- 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% annual growth.
- 10% 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
- Alternative collateralised option also available offering potential 7.80% pa
- 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.
- Trade From (frequent trader rate): £4.95
- Trade From (standard trader rate): £9.95
Why we like it: Voted ‘Best ISA Provider 2017’ in the City of London Wealth Management Awards. Place 10 deals or more per month and pay only £4.95 per online deal in the next month. Deal from £1.50 and never pay more than £9.95 per online trade.