- Fund Choice: Managed, Tracker, Self-Select
- Invest From: £20 per month or £100 single
Why we like it: Legal & General has over 9 million customers in the UK, and over £1.1 trillion of assets under their management (as at 31st December 2019). 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.
Important: 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.
- Protection Scheme: FSCS
- Fund Choice: Choose your risk profile and have it matched to an investment portfolio expertly built and managed
- Invest From: £1,500
Cashback Offer – Receive up to £1,000
£75 for investment of at least £15,000, £125 for investment between £20,000 and £49,999, £400 for investment between £50,000 and £99,999, £1000 for investment higher than £100,000. Investment or transfer to be made by April 30th 2020. Deposit must remain invested for two years. Terms & conditions apply
Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free
- Protection Scheme: FSCS
- Fund Choice: Choose your risk profile and have an investment Plan built and managed for you
- Invest From: No minimum
Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple plans with different risk levels, Ethical plans also available. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%
- Fund Choice: FTSE 100
- Invest From: £20 pm
- Investment Options: Comprehensive range of UK and global index tracker funds to choose from.
Why we like it: Legal & General has over 9 million customers in the UK, and over £1.1 trillion of assets under their management (as at 31st December 2019). They have one of the largest range of tracker funds to choose from with 19 low cost index tracker fund options to choose from. 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.
Important: 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.
- Fund Choice: 2,000+ funds
- Invest From: £10 per month
- Investment Options: Choose from thousands of investments including funds, equities and bonds. Use the tools and insights in Barclays Research Centre to make your own investment decisions.
Why we like it: Why we like it: Invest in over 2,000 funds plus Exchange Traded Funds (ETFs), investment trusts, shares and more. UK-based customer support team available by phone and online. You have until 5th April to use your £20,000 ISA allowance.
Important: The value of your investments can rise as well as fall. You may get back less than you invested. Tax rules can change and individual effects vary. If you’re unsure, we recommend you ask for independent advice.
- Trade From (frequent trader rate): £3.00
- Trade From (standard trader rate): £8.00
Why we like it: Pay zero commission on US share trades, and just £3 on UK share trades, when you trade three or more times a month with IG. No admin or transfer fees. Custody fee of £24 per quarter, charged if you hold share dealing or ISA assets at the end of the quarter.
Important Information: Our website is completely free for you to use but we may receive a commission from some of the companies we link to on the site.
- Counterparty: Societe Generale
- 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 6.96% per year even if the FTSE falls by up to 20%, is certainly worth a closer look.
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 monthly income: 0.58% (equivalent to 6.96% annually) if the FTSE doesn't drop by more than 20%
- Income paid even if FTSE 100 falls by 20%
- Alternative option also available paying up to 5.16% pa if the FTSE doesn't drop by more than 35%
- 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 35% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £5,000
- 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: Credit Suisse
- Term: Up to 8 Years
As inflation continues to have a significant impact on our returns, the ability to receive up to 6.84% per year even if the FTSE falls up to 25%, might well be worth a closer look
- Potential quarterly income: 1.71% (equivalent to 6.84% annually)
- Income paid even if FTSE 100 falls by 25%
- Potential to kick out quarterly from year 2 onwards
- Available for ISA 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
- Not available for ISA transfers
- Minimum investment £3,000
- 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: Investec Bank
- Term: Maximum 8 years
If you’re looking for high income, then the ability to receive 6.0% per year even if the FTSE falls almost 20%, could be appealing.
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.
- Up to 6.0% 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 4.6% 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 8 years
- 14.5% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
- Potential to mature early, from year 1 onwards
- Available for ISA and direct investment
- Not available for ISA transfers
- 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
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: Goldman Sachs International
- 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 early maturity return of 14% x the number of years the plan has been active
- Early maturity if FTSE 100 finishes at least 5% above initial level
- Alternative option 1 also available offering potential 8.55% pa if FTSE finishes above reference level, decreasing from 102.5% to 82.5% of initial level over term of plan
- Alternative option 2 also available offering potential 11.45% pa if FTSE finishes at or above start level
- Potential for early maturity from year 2
- Available for ISA, ISA transfer and direct investment
- Capital is at risk if the FTSE 100 Index has fallen by more than 30% at the end of the plan, in which case your initial investment will reduce by 1% for each 1% fall
- Minimum investment £5,000
- Product designed to be held for the full term
Calculate your interest with this plan
- Counterparty: Investec Bank plc
- Term: Up to 8 years
With such a high potential return if the FTSE 100 goes up by any amount, this could be an appealing investment, especially with the current uncertainty in the markets.
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.
- 11.5% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
- Potential to mature early, 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 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
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: Societe Generale
- Term: Up to 8 years
This plan offer some capital protection against a falling stock market, and also the opportunity for over 10.5% growth in as little as 12 months
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.
- 10.55% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
- 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 £10,000
- 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: 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.
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.
- 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
- 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.
- Counterparty: Morgan Stanley & Co International
- Term: Up to 7 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.
- 8% pa if FTSE 100 finishes above 95% of initial level
- Potential to mature early, 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 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
- 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: Societe Generale
- 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.
- 7.4% for each year (not compounded) provided the FTSE 100 finishes above kick out level
- Required kick out level reduces from 100% to to 80% over the term
- Potential to mature early, 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 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
- 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: Credit Suisse
- 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.
- 7.31% for each year (not compounded) provided the FTSE 100 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 FTSE 100 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
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: Investec Bank Plc
- 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.
- 7.25% for each year (not compounded) provided the FTSE 100 finishes at or above above 92% of intitial level
- Potential to mature early every 6 months, 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 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
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: Investec Bank Plc
- Term: Up to 6 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.
- 7% for each year (not compounded) provided the FTSE 100 finishes above kick out level
- Required kick out level reduces from 100% to to 80% over the term
- Potential to mature early, 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 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.
- Counterparty: Investec Bank Plc
- Term: Up to 6 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.
- 5.5% for each year (not compounded) provided the FTSE 100 finishes above kick out level
- Required kick out level reduces from 100% to to 65% over the term
- Potential to mature early, from year 2 onwards
- Available for ISA, ISA transfer and direct investment
- Capital is at risk if the FTSE 100 Index falls by more than 40% at end of the term, 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.
- Term: No Fixed Term
- Invest From: £10,000
Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680).
Important: Peer to peer lending is not covered by the FSCS. Returns are not guaranteed and your actual returns may vary. Capital is at risk
- TAX-FREE Innovative Finance ISA
- Minimum investment of £10,000
- Secured by UK property
- Maximum 65% loan to value
- Significant buffer of 35% should the value of a property fall
- you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers
- Also accepts ISA transfers from previous year's ISA's
- Higher rates available if investing over £20,000 (6.06%) or over £100,000 (7.01%)
- As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Calculate your interest with this plan
- Term: No Fixed Term
- Invest From: £100
Why we like it: Invest up to £20,000 this tax year and/or transfer in from an existing Cash ISA, Stocks & Shares ISA or IFISA. When you join the easyMoney family you will automatically become an easyMoney plus card member, offering savings at over 1,000 of Britain’s biggest retailers and more! e-Money Capital Ltd trading as easyMoney is authorised and regulated by the FCA (FRN 231680).
Important: Peer to peer lending is not covered by the FSCS. Returns are not guaranteed and your actual returns may vary. Capital is at risk
- TAX-FREE Innovative Finance ISA
- Minimum investment of £100
- Secured by UK property
- Maximum 75% loan to value
- Buffer of 25% should the value of a property fall
- Invest over £1,000 and you will automatically become an easyMoney plus card member, offering savings at over 1.000 of Britain’s biggest retailers
- Also accepts ISA transfers from previous year's ISA's
- As with all investing your capital is at risk when you lend to businesses. easyMoney reduces this risk by taking security over property
- Returns are not guaranteed and your actual returns may vary
- Capital is at risk
- Must be aged 18 or older
- Peer to peer lending is not covered by the FSCS
Calculate your interest with this plan
- Fund Choice: Managed Ethical Investment Funds
- Invest From: £20 per month or £100 single
Why we like it: The Future World fund range range allows you to invest in funds that seek to make positive change. The Gender in Leadership UK Index Fund tilts the investments in the fund towards companies with better gender diversity, while the Future World Climate Change identifies companies that are critical to the shift to a low-carbon economy and are paying special attention to their actions.
Important: 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.
- Deposit Taker: Goldman Sachs International Bank
- Term: Up to 8 years
Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.
- Plan can be ended early by Deposit Taker
- 1.625% per quarter (6.5% pa) if plan ends early
- 2 x FTSE 100 Index growth if plan runs full term
- Capital protected product*
- Eligible for the Financial Services Compensation Scheme (FSCS)
- If plan runs full term returns not guaranteed. You may only receive a return of your original capital
- Minimum investment £10,000
- 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: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) to repay your money. Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.
