ISA Ideas

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Stocks & Shares ISAs

Latest Investment Ideas for your ISA

Compare ISA ideas for your £11,280 Investment ISA.

Latest income and growth options, defined return and defined term investment plans, investment funds and more!

 

James Caldwell, Director

Income Investment ISA Selection

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	Income Builder Plus	Morgan Stanley		5 years	8.40% per annum	More Info >
5 year structured investment plan Potential maximum quarterly income of 2.10% (8.40% per year) ISA transfers allowed Capital at risk Income is not guaranteed Plan designed to be held for 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.

Growth Investment ISA Selection

Provider	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc		Up to 5 years	13% per annum	More Info >
5 year structured investment plan Potential for early maturity after years 1,2,3 and 4 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Defensive Bonus Plan	Morgan Stanley		Up to 6 years	9.50% per annum	More Info >
6 year structured investment plan Potential early maturity return of 9.50% x the number of years the plan has been active  ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Best Entry Growth Plan			6 years	100%	More Info >
6 year structured investment plan Growth return of 5 x any positive growth in the FTSE (maximum return of 100%) ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Returns linked to performance of FTSE 100 Index Plan designed to be held for 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.

Income Fund ISA Selection

Fund Manager	Fund	Fund Manager Initial Charge	Your Saving	Saving	AMC	Income Yield	Select Fund	Fact Sheet	More Info
	Newton Higher Income	0%	4.00%	£427	1.50% 1.30%	7.02%		Factsheet	More Info >
Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. See latest fund factsheet for details.
	Invesco Perpetual Monthly Income Plus	0%	5%	£534	1.25% 1.05%	7.01%		Factsheet	More Info >
Income Paid Monthly. Popular income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. See latest fund factsheet for details.
	Invesco Perpetual Distribution	0%	5%	£534	1.38% 1.18%	6.70%		Factsheet	More Info >
Income Paid Monthly. Invesco Perpetual Distribution offers a balance between both income and capital growth through investment in UK based equities and fixed interest securities. See latest fund factsheet for details.

*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

Growth Fund ISA Selection

Fund Manager	Fund	Fund Manager Initial Charge	Your Saving	Saving	AMC	Select Fund	Fact Sheet	More Info
	M&G Recovery	0%	4.00%	£427	1.50% 1.30%		Factsheet	More Info >
The Fund’s sole aim is capital growth by investing predominantly in a diversified range of securities issued by companies which are out of favour, in difficulty or whose future prospects are not fully recognised by the market. See latest fund factsheet for details.
	Newton Real Return	0%	4.00%	£427	1.50% 1.30%		Factsheet	More Info >
Income Paid Twice Yearly. Aims to achieve significant real rates of return through investments in both UK and international equities and bonds. See Factsheet for latest details.
	Investec Cautious Managed	0%	4.50%	£480	1.50% 1.30%		Factsheet	More Info >
The Fund aims to provide a combination of income and long term capital growth by investing conservatively in a diversified portfolio of equities, bonds and other fixed interest securities of high quality and marketability. At all times the Fund’s equity exposure will be limited to a maximum of 60% of the portfolio value. See latest fund factsheet for details.

Stocks and Shares ISAs  

Individual Savings Accounts or ISAs allow money to be sheltered from the taxman up to a set limit per individual. This limit is set for each tax year running from 6th April and for 2012/13 the full individual ISA allowance has been set by HM Treasury at £11,280.

The full ISA allowance of £11,280 can be invested in a stocks and shares ISA. This covers investment in shares (excluding shares traded on the Alternative Investment Market - AIM), unit trusts, investment trusts, open ended investment companies (OEICs), life insurance policies, corporate bonds and gilts.

With the Cash ISA part of your ISA allowance set at £5,640 you can choose either to invest fully in a stocks and shares ISA or part in a Cash ISA up to £5,640 and the balance in a Stocks and Shares ISA.

With a Stocks and Shares ISA you can invest for as long as you like. If you opt to take income from your ISA this can be paid tax free and does not need to be reported on your tax return.

Things to look out for when choosing a Stocks and Shares ISA

• With a Stocks and Shares ISA you should be prepared to invest for the medium to long term e.g. 5 years or more.
• Different stocks and shares ISAs have different investment options ranging from £50 per month e.g. through a fund, while some ISA plans will stipulate a minimum investment e.g. £1,000.
• Some ISA providers will provide you with online access so you can see the investment performance of your ISA as well as any charges incurred.
• With a Stocks and Shares ISA there is greater long term growth potential than a Cash ISA however the value of your investment can go down as well as up.

Latest ISA ideas for your £11,280 tax efficient ISA allowance. Compare income and growth options, including structured investments, investment funds and more!