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14th
Aug 2018
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ISA Savings Focus - A Potential 6% pa From Your Savings

ISA Savings Focus - A Potential 6% pa From Your Savings

Although inflation over the last couple of months has fallen slightly to 2.50%, this is still much higher than you can get from many traditional savings products, such as fixed rate bonds. And if you take a look at a range of Cash ISA rates on offer, the options are even worse as these savings rates are generally much lower than their non-ISA equivalents.

Against this challenging environment for savers, the Deposit Kick Out Plan from Investec Bank has proved to be popular choice with a wide range of our new and existing savers.

By linking your return to the FTSE 100 Index, this plan offers a potential 6.0% per year (not compounded).

Although it has a maximum term of six years, it will ‘kick out’ early provided the value of the FTSE 100 Index at the end of each year from year 3 onwards, is higher than its value at the start of the plan.

That’s a potential 18% after three years, 24% after four years, etc.

The plan is deposit based and so offers the same FSCS protection as a normal fixed rate bond, but since the rate is not guaranteed, it should be considered as an alternative to traditional savings products.

With this in mind, if you think savings rates will remain at their current historical lows, alternatives such as these might well be worth a closer look…

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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You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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