skip to main content
Homepage /

Structured Income ISAs

Investment Income Plan ISAs

UK Quarterly Contingent Income Plan

from MB

Allow ISA Transfers
Annual Income Up to 5.00%
  • Counterparty: Barclays Bank plc
  • Term: Up to 10 years
More Info Show Details

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

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 Conditional Income Kick Out Plan

from Walker Crips

Allow ISA Transfers
Annual Income Up to 4.60%
  • Counterparty: Credit Suisse AG
  • Term: Up to 8 Years
More Info Show Details

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

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.

What is a structured income ISA

A structured income ISA can allow you to use your annual ISA allowance to earn a regular income from your savings in a tax efficient way. Income can normally be taken on a monthly, quarterly, six-monthly or yearly basis.

With a standard structured ISA, you will normally be required to agree to lock your money away for a term of between 3 and 6 years. The level of return you see will then be linked to a particular index or indices, mostly commonly the FTSE 100.

This means that if the FTSE 100 is at a higher level when your ISA term ends than when it started, you will earn a return. However, if the index is at a lower level that when your ISA term began, you will either earn no interest or potentially even lose money, depending on exactly which type of ISA you have chosen.

A structured income ISA works in the same way, except that your interest is paid on a regular basis throughout the ISA term, rather than just at the end. This means the calculation of how much the FTSE 100 (or other relevant index) has moved is made on a more regular basis to facilitate those payments.

Types of structured income ISA

There are two main types of structured product you can consider investing your savings in. Which makes the most sense for you will likely depend on whether you are willing to risk your investment to potentially earn a higher return.

Structured deposits

If you want your ISA to be index linked, but don’t want to risk potentially losing money, a structured deposit ISA can be a good choice. With this type of product, the amount you earn in interest is still based on the FTSE 100 or an equivalent, but if that indexes value goes down over the term of your deposit, you simply earn no interest – your original deposit is always protected.

The downside to this is that the potential returns are lower than with a structured investment income ISA (see below), but this is a good option for those looking for a safer way to earn a return.

Structured investments

This type of product also offers index-linked interest payments, but with the caveat that your deposit is not protected. This means that if the index goes down, you can lose money on your original investment. However, the potential rewards are higher with structured investment ISAs generally paying higher rates of interest than structured deposit ISAs.

Compare structured income ISAs

There are a variety of different providers offering structured income ISAs and many different products with their own advantages and disadvantages. Choosing the right one for you can be tricky, which is why we keep the structured ISA comparison tool at the top of this page regularly updated with top deals from across the market. That way you can quickly see which products offers the best match for your saving goals and personal finances.

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.

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

Latest News

Four Ethical Junior ISAs to Consider for 2020/2021

26th September 2020

If you want to open a Junior ISA but want to make sure that the ISA itself is invested in line with you, or your child’s values, then you’ll want to consider opening an Ethical Junior ISA. But what exactly is an Ethical Junior ISA – and which ones should you be looking at? 

Newsletter Signup

Sign up to our Newsletter to get exclusive news and offers direct to your inbox.

About us

ISA.co.uk is a trading style of Fair Investment Company.

We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

About us

4.74 Average

23 Reviews

Jen

I found the way the different options are presented very clear - much more useful than some other comparison sites. I sent it to my daughter as well.

Paul

Very informative, find myself a good ISA account with best return in terms of interest.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Rob Holden

The website was very useful and informative.

Andrew Johnson

ISA can be confusing at first and this site includes a useful and helpful introduction into the world of ISAs

Crowd2Fund

Excellent website - clear and helpful information about different products - and a trustworthy partner.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Steve

Really simple to use and all the information was clear with lots of products available. The interest calculator was really handy too. Have bookmarked and will definitely use again.

Hannah Gordon

This was a really user-friendly site, and was very helpful when it came to comparing accounts and choosing my 2016 ISA.

Sue

Easy to use website and up to date. Saved the link on my tablet.

Anonymous

If you wish to invest in an ISA this site has it all. A super comprehensive range of simply explained products from all the major companies.

Cristina Iacob

Very knowledgeble company with an extensive range of services, a great website with loads of useful information.

Anonymous

Nice graphics and easy to navigate

Dr Alan Rogan BSc PhD FCIOB FCABE Eur Ing

Good advice and professional approach

Razvan

Very helpful for getting my annual ISA

Jonny Doulton

Clear, concise and very professional outfit with an excellent choice of market leading deals.

Paul Tissington

ISA.co.uk not only helped narrow down my choices for a Junior ISA but also provided additional practical information that helped demystify the whole process.

Sunil Karadia

Just the site I needed, I have been looking for a suitable ISA for a while, but as there are so many to choose from, find it difficult to find the right one for me.

James Weatheritt

I found the information on ISA.co.uk very helpful and easy to understand. The site is easy to navigate and find what you're looking for.

Lisa Holden

I found ISA.co.uk very insightful and easy to navigate through. The content was useful and helped me make my ISA decision.

Neta Pourhosseini

I thought the information provided was easy to understand and very informative, I would recommend to friends for deffinite.

Robert Murray

Great selection of Isa products, useful information and a very user friendly site

This website uses cookies to improve user experience. By using our website you consent to all cookies in accordance with our Cookie Policy. Read more