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Structured Growth ISAs

Compare Structured Growth ISAs

Investment ISAs put your capital at risk & you may get back less than you originally invested

Stocks & Shares ISA

from Hargreaves Lansdown

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 2,500 funds, shares, investment trusts and more to build your portfolio.
  • Invest From: £25 pm

Stocks & Shares ISA

from Fidelity

Allows ISA Transfers
Regular Savings
  • Fund Choice: Choose from over 4,000 investment options, including one of the widest fund ranges in the UK.
  • Invest From: £25 pm

Scottish Mortgage Investment Trust

from Baillie Gifford

Allows ISA Transfers
Regular Savings
  • Fund Choice: Scottish Mortgage Investment Trust is an actively managed by fund manager Baillie Gifford, investing in a high conviction global portfolio of companies with the aim of maximising its total return over the long term. Capital at risk.
  • Invest From: £25 pm

Equity Fund

from Fundsmith

Allows ISA Transfers
Regular Savings
  • Fund Choice: The manager invests in around 20 to 30 companies & generally likes those in the technology, everyday consumer goods, and the medical supply sectors.
  • Invest From: £50 pm

Technology Trust PLC

from Allianz

Allows ISA Transfers
Regular Savings
  • Fund Choice: Award winning investment trust offers investors access to the fast moving world of technology. The fund invests in stocks worldwide that have the potential to become tomorrow’s Apple or Google. Capital at risk.
  • Invest From: £25 pm

Sustainable Leaders

from Royal London

Allows ISA Transfers
Regular Savings
  • Fund Choice: Invests in companies that are likely to benefit from measures taken to improve the environment, human welfare and quality of life. Capital at risk.
  • Invest From: £25 pm

UK Growth Kick Out Plan

from MB

Allow ISA Transfers
Maximum Potential Return 8.25% per annum
  • Counterparty: Barclays Bank plc
  • Term: Up to 5 years
  • Potential early maturity return of 8.25% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at least 5% above initial level
  • Potential for early maturity from year 1
  • 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

Your savings:
£
You could gain:
£0.00 (per tax year)

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.

UK Step Down Kick Out Plan

from MB

Allow ISA Transfers
Maximum Potential Return 5.75% per annum
  • Counterparty: Barclays Bank plc
  • Term: Up to 5 years
  • Potential early maturity return of 5.75% x the number of years the plan has been active
  • Required kick out level reduces from 105% to to 85% over the term
  • Potential for early maturity from year 1
  • 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

Your savings:
£
You could gain:
£0.00 (per tax year)

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.

Structured growth ISAs allow you to invest your ISA allowance in a structured investment product which offers the potential for growth returns, without paying tax on any returns. Structured growth ISAs offer options for those willing to accept a higher level of risk for potentially higher returns, as well as for those looking for low risk or fixed returns.

What is a structured growth ISA?

While a standard cash ISA allows you to simply earn tax-free interest on your savings, a growth ISA lets you invest your savings, giving you a chance to earn a higher return. Depending on which type of growth ISA you choose, your initial deposit may be at risk if the value of your investments go down. Alternatively, your deposit may be protected, meaning you will simply earn no return if your investments lose value.

A structured growth ISA is a specific type of growth product where, instead of buying individual stocks and shares, or having a fund manager do this for you, your investment is linked to the stock market as a whole. In the UK, this will usually be the FTSE 100 index. Your investment will then pay out depending on whether the index as a whole moves up or down.

This approach is often considered easier and less risky than investing in individual shares, as the overall market is usually more stable and predictable than the stocks of a single company or handful of companies. However, the likely rewards may be lower as individual shares usually have the potential to move faster and further than the market as a whole.

Structured growth products are usually offered over 3 to 6 years, so are best suited to people who are willing to lock their savings away for a reasonable period of time in order to see potentially attractive rewards.

Types of structured growth ISA

There are various different kinds of structured ISAs which offer index-linked investment opportunities. Which you choose will likely depend on how much risk you are willing to take with your money and what level of return you are hoping to see.

Structured deposits – Offer reasonably returns and your deposit is protected, even if the index moves down over the lifetime of the product.

Structured investments – Have the potential to pay higher returns, but your deposit is at risk. This means if the index is at a lower level on your payout date than when the product started, you could lose some of your deposit.

Kick out structured growth ISAs – Have a chance to pay out early if certain conditions are met. This usually means that if the index is up by a pre-agreed percentage or more on certain dates (usually each yearly anniversary of the product start date) the fund will mature early.

Compare structured growth ISAs

Getting the right investment product for you can be a challenge when there are so many different options and providers to choose from. Using our ISA comparison tool at the top of the page, you can see leading ISA deals from across the market, allowing you to quickly and easily pick the best product for your finances and the level of return you would like to see.

Oliver Roylance-Smith
Edited by Oliver Roylance-Smith - ISA.co.uk
Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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15th March 2021

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