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Structured Investment Product ISAs

Compare Structured Investment Product ISAs
Investment Growth Plan ISAs

FTSE Kick Out Plan

from Meteor

Allow ISA Transfers
Maximum Potential Return 8.00% per annum
  • Counterparty: BNP Paribas
  • 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.

  • Potential early maturity return of 8% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at or above initial level
  • Potential for early maturity from year 1
  • Alternative option also available with lower capital at risk barrier offering a potential 7.5% pa
  • 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 Kick Out Plan

from MB

Allow ISA Transfers
Maximum Potential Return 6.75% per annum
  • Counterparty: Barclays Bank plc
  • Term: Up to 5 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 6.75% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at or above initial level
  • Potential for early maturity from year 1
  • Alternative option also available with lower capital at risk barrier offering a potential 6% pa
  • 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 Kick Out Plan Y2 60

from MB

Allow ISA Transfers
Maximum Potential Return 6.25% per annum
  • Counterparty: Barclays Bank plc
  • Term: Up to 5 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 6.253% x the number of years the plan has been active
  • Early maturity if FTSE 100 finishes at or above initial 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 40% 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.

FTSE Step Down Kick Out Plan

from Meteor

Allow ISA Transfers
Maximum Potential Return 6.00% per annum
  • Counterparty: BNP PAribas
  • 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.

  • Potential early maturity return of 5.5% x the number of years the plan has been active
  • Required kick out level reduces from 100% to to 85% over the term
  • Potential for early maturity from year 2
  • Alternative option also available with lower capital at risk barrier offering a potential 5.75% pa
  • 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.

FTSE Daily Kick Out Plan Y2 50

from Meteor

Allow ISA Transfers
Maximum Potential Return 5.75% per annum
  • Counterparty: BNP Paribas
  • 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.

  • Return equivalent to 5.75% pa if the FTSE 100 finishes at or above its starting value on a daily measurement date
  • Return will equal the number of days since the Start Date of the Plan, divided by 365 and multiplied by 5.75%
  • 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 50% 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
  • 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.

UK Step Down Kick Out Plan

from MB

Allow ISA Transfers
Maximum Potential Return 5.40% per annum
  • Counterparty: Barclays Bank plc
  • 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.

  • Potential early maturity return of 5.4% x the number of years the plan has been active
  • Required kick out level reduces from 105% to to 80% 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.

UK Super Defensive Kick Out Plan

from MB

Allow ISA Transfers
Maximum Potential Return 5.00% per annum
  • Counterparty: Barclays Bank plc
  • 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.

  • Potential early maturity return of 5% x the number of years the plan has been active
  • Required kick out level reduces from 105% to to 70% 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.

UK Step Down Kick Out Plan Y2 60

from MB

Allow ISA Transfers
Maximum Potential Return 4.75% per annum
  • Counterparty: Barclays 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.

  • Potential early maturity return of 4.75% x the number of years the plan has been active
  • Required kick out level reduces from 100% to to 80% over the term
  • 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 40% 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.

Investment Income Plan ISAs

FTSE Quarterly Contingent Income Plan

from Meteor

Allow ISA Transfers
Annual Income Up to 5.50%
  • Counterparty: BNP Paribas
  • Term: Up to 8 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 5.5% 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 quarterly income: 1.375% (equivalent to 5.5% annually)
  • Income paid even if FTSE 100 falls by 15%
  • Alternative option also available returning up to 5% pa if the FTSE doesn't drop by more than 20%
  • 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
  • If you withdraw your money during the plan you may get back less than you originally invested

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 Quarterly Contingent Income Plan

from MB

Allow ISA Transfers
Annual Income Up to 4.60%
  • Counterparty: Barclays 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.

  • 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 1 onwards if FTSE at least 5% above initial level
  • 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 Fixed Monthly Income Plan

from MB

Allow ISA Transfers
Annual Income 3.12% fixed income
  • Counterparty: Barclays Bank plc
  • Term: Up to 4 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.

  • 3.12% income paid regardless of the performance of the FTSE 100
  • Monthly income payments
  • Potential to mature annually from year 2 onwards if FTSE at or above initial level
  • 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 investment product 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 investment 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 investment product ISA?

While a standard cash ISA allows you to simply earn tax-free interest on your savings, an investment ISA lets you invest your savings, giving you a chance to earn a higher return. Depending on which type of 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 product 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 investment products are usually offered over 3 to 10 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 product ISA

There are various different kinds of structured product 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 product deposits – Offer reasonably returns and your deposit is protected, even if the index moves down over the lifetime of the product.

Structured product 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 product 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 product investment 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.

Important Risk Information:

The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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High income ISA ideas:

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Stocks & Shares ISAs

Types of Stocks and Shares ISA include: 

Stocks and Shares ISAs

Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

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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