- 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 £1trillion of assets under their management (as at 31st December 2018). 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.
Legal & General FTSE 100 Tracker Fund ISA
from Legal & General
- Fund Choice: FTSE 100
- Invest From: £20 pm
- Investment Options: The fund invests in some of the largest names in the stock market, and tracks the performance of the FTSE 100 Index
Why we like it: Legal & General has over 9 million customers in the UK, and over £1trillion of assets under their management (as at 31st December 2018). 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.
- Counterparty: Citigroup
- 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 7.5% per year even if the FTSE falls by up to 15%, 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: 0.625% (equivalent to 7.50% annually) if the FTSE doesn't drop by more than 15%
- Income paid even if FTSE 100 falls by 35%
- Alternative options also available paying up to 4.8% pa if the FTSE doesn't drop by more than 35%, or 5.7% pa pa if the FTSE doesn't drop by more than 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 35% at maturity from it's initial level, 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
- Term: Maximum 8 years
If you’re looking for high income, then the ability to receive 7.0% 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 7.0% 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 5.2% 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: Credit Suisse
- Term: Up to 10 Years
As inflation continues to have a significant impact on our returns, the ability to receive up to 6.52% per year even if the FTSE falls up to 25%, might well be worth a closer look
- Potential quarterly income: 1.63% (equivalent to 6.52% annually)
- Income paid even if FTSE 100 falls by 25%
- Potential to kick out quarterly from quarter 5 onwards
- Available for ISA and direct investments
- Capital is at risk if the FTSE 100 Index falls by more than 35% 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: 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 13.47% 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 8.20% 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 10.94% 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 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 10.25% 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.
- 10.25% 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: 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.
- 7.3% 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.
- 7.1% 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: 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.
- 7% 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 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.
- 5.75% 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: £10000
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 up to 55% at over 100 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
- 7.28% TAX-FREE through the Balanced Innovative Finance ISA
- Minimum investment of £10,000
- Secured by UK property
- Maximum 75% loan to value
- Buffer of 25% should the value of a property fall
- You will automatically become an easyMoney plus card member, offering savings up to 55% at over 100 of Britain’s biggest retailers and more!
- 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
- Term: No Fixed Term
- Invest From: £1000
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 up to 55% at over 100 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
- 4.05% TAX-FREE through the Conservative Innovative Finance ISA
- Minimum investment of £1,000
- 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 up to 55% at over 100 of Britain’s biggest retailers and more!
- 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 7 years
Why we like it: The previous issue of this plan had already proved popular - this latest release offers the potential for 6.5% p.a. interest, along with the same capital protection you would get with a traditional cash deposit.”
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
- 1.375% per quarter (5.5% 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.