If you want to gain returns on your investments or interest while making tax savings, an income ISA can offer a convenient and tax-efficient way to save.
Why we like it: If you are looking for a high income yield and prepared to accept higher volatility then this fund may fit the bill. With a focus on high yield bonds and shares, the fund manager is an experienced bond investor who has a flexible approach to seeking out the best income opportunities. This fund is available via the Hargreaves Lansdown investment platform.
*Distribution yield as at 30/4/2020
Important information: 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.
Why we like it: Getting paid a regular income is a priority for many investors. Whether you're in retirement, or want to boost your existing income, an equity income fund could be right for you. Even if you do not need income now, you can opt to reinvest it to boost capital growth. An emphasis on dividends and dividend growth makes this fund a more traditional UK equity income fund, in our view, so it could help form the foundation of an income portfolio.This fund is available via the Hargreaves Lansdown investment platform.
*Historic yield correct as at 31/5/2020
Important information: 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.
Why we like it: The Hargreaves Multi Manager High Income fund aims to deliver a high monthly income to clients by blending different types of funds and moving between different areas of the market when more attractive opportunities emerge. HL also aim to grow this income payment over time and therefore may invest in higher risk smaller companies they believe offer great potential for long term capital growth.
*Correct as at 30/4/2020
Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.
Why we like it: A low cost ethical fund (0.25% pa ongoing charge) with the objective of the Fund is to provide growth by tracking the performance of the FTSE 350 Index (the “Index”), excluding shares of companies whose business does not meet a range of ethical and environmental guidelines (“ethical screening methodology”) determined by an external agency chosen by the Manager. This fund is available through the Hargreaves Lansdown Platform.
*Historic yield correct as at 22/5/2020
Important information: 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.
Why we like it: If you are looking to access Asia’s exciting growth potential along with a regular income this fund may be for you. Focuses on larger, dividend-paying companies in developed Asian markets, including Hong Kong, Singapore and Australia. Invests in a small number of companies so each can contribute a lot to performance, which can increase risk. The fund aims to pay an attractive income and grow your investment. A focus on companies that tend to be more stable could help the fund fall to a lesser extent than some others when markets are weak. Jupiter has grown to be one of the UK’s most successful and respected investment management groups. This fund is available via the Hargreaves Lansdown investment platform.
*Correct as at 22/5/2020
Important information: 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.
Why we like it: A fund with a conservative approach to bond investing. The focus is on quality companies that are in good financial health and generate enough cash to keep paying bondholders. Aims to provide a relatively steady income and a small amount of growth, without taking excessive risks. It could help diversify a portfolio focused on shares, or be used as a way to limit volatility during tougher times for stock and bond markets. This fund is available via the Fidelity investment platform.
Special offer:
Build your savings with an ISA, SIPP or Investment Account and receive £25. Exclusions, T&Cs apply.
Important information: 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.
Why we like it: JP Morgan Asset management is one of the worlds largest and best known brands in investment management. The aim of this fund is to achieve high and rising income by investing globally primarily in equities in any economic sector whilst participating in long term capital growth. This fund is available via the Hargreaves Lansdown investment platform.
*Correct as at 22/5/2020
Important information: 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.
Why we like it: Suitable for the long term investor the fund manager Terry Smith focuses on a small number of high quality, resilient, global growth companies (Between 20 and 30 stocks) that are good value with the intention of holding the shares for a long time. Companies held include Microsoft, Paypal and Estee Lauder. This fund is available through the Fidelity Platform.
*Historic yield as at 30 April 2020
Important information: 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.
- Counterparty: Barclays Bank plc
- Term: Up to 10 years
Important: 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.
- Potential quarterly income: 1.25% (equivalent to 5.0% annually)
- Income paid even if FTSE 100 falls by 25%
- Potential to kick out quarterly 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 35% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £5,000
- If you withdraw your money early you may get back less than you originally invested
- An arrangement fee applies to this plan
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: Credit Suisse AG
- Term: Up to 8 Years
Important: 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.
- Potential quarterly income: 1.15% (equivalent to 4.6% annually)
- Income paid even if FTSE 100 falls by 25%
- 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 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 £10,000
- An arrangement fee applies to this plan
- If you withdraw your money during the plan you may get back less than you originally invested
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.