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Money Saving & Investing Investment Plans
Money Saving & Investing Investment Plans Compare
Investment Plans
Compare some of the best Investment Plans including Growth Plans and Income Plans with our easy to use comparison tables and find the right investment opportunity for you.
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Editors Choice - L&G Retail Price Index Deposit Bond
This 5 year bond from L&G is offering a minimum return of 16% over the term (or 3.20% per year). The maximum return is linked to the Retail Price Index (4.8% as of 17th Jan'12).
Investing for Income
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Provider |
Account |
Interest Paid |
Capital Protected |
ISA Option |
Apply |
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The Meteor FTSE Income Deposit Plan is a 6 year capital protected deposit plan with the potential to provide a fixed annual income of 7.25%.
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7.25% each year
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Monthly/Annually
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5 year structured investment plan paying an income of 7.00% annually with a potential annual bonus of 0.50%. Also available is a monthly income option, Stocks & Shares ISA investment and ISA transfer.
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7.00% each year
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Monthly/Annually
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Meteor 6 Year FTSE Income Deposit Plan
- The Meteor FTSE Income Deposit Plan 6 is a 6 year capital protected deposit plan with the potential to provide a fixed annual income of 7.25%, or a quarterly income of 1.4%.
- The plan will return your initial deposit in full at maturity, regardless of the performance of the FTSE 100 Index. You will also receive the fixed annual or quarterly income if, on the close of every business day, the FTSE 100 Index does not fall lower than 4,250 or rise more than 7,000. If this does happen then income will not be paid for that quarter or year.
- The plan is available for direct investment, cash ISA, cash ISA transfer, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential annual income – 7.25% or
- Potential quarterly income - 1.4%
- Capital protected plan*
- RBS is the deposit taker for this plan
- Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account **
- Investment term: 6 years
- Minimum direct deposit: £10,000
- Minimum Cash ISA deposit: £5,340
- No maximum deposit
- Also available to businesses, charities and trusts
- This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early
- ISA transfer deadline: 2nd March 2012
- Direct investment and ISA deadline for cheques: 9th March 2012
- Direct investment and ISA deadline for bank transfers: 14th March 2012
- *The return of your capital and any growth depends on the ability of the deposit taker (The Royal Bank of Scotland plc) to repay your money.
- **Subject to the Scheme's eligibility criteria - see brochure for details.
Investec 5 Year FTSE 100 Bonus Income Plan 21
- For investments within this product of £100,000 or more processed through Fair Investment Company Limited, we will pay you Cashback of 1%. E.g. If you invested £100,000 into the above plan through Fair Investment Company Ltd., we would send you a cheque for £1000 four weeks after the start date of the plan.
- The Investec FTSE 100 Bonus Income Plan 21 – Option 1 is a five year Structured Investment Plan which provides fixed annual or monthly income payments throughout the term of the Plan, with additional bonus payments dependent on the performance of the FTSE 100 Index (‘the Index’).
- The aim of the Plan is to provide fixed annual or monthly payments throughout the term, with additional bonus payments dependent on the performance of the FTSE 100.
- You will receive fixed payments of either 7% annually or 0.57% monthly regardless of the performance of the Index.
- An additional income payment of 0.50% gross annually or 0.04% monthly will be made if the Bonus Observation Level is above the Initial Index Level at the end of each payment period.
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Fixed annual income - 7.00%
- Potential annual bonus payment - 0.50% (gross)
- Capital at risk investment*
- Investment term - 5 Years
- Minimum single investment - £1,500
- Maximum Stocks & Shares ISA investment - £10,680
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 10th February 2012
- Direct investment and ISA deadline: 24th February 2012
- *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
Investing for Growth
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Provider |
Account |
Capital Protected |
ISA Option |
Apply |
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5 year structured deposit plan. Capital protected. 100% any growth in Retail Price Index (no cap) with a minimum return of 16%. Available as a Cash ISA & for ISA transfers
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RPI Tracker (Min return 16% - or 3.2% per year) Max is unlimited based on RPI
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Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
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13.50% each year
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A 6 year structured investment plan with the potential to mature early, paying max 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
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11% x the number of years the Plan is active
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Choose funds from the following three categories; Foundation Funds, Investors Choice Funds and Structured Products all of which can be invested in using your ISA allowance
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Returns linked to performance of the Bonds investments
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L&G 5 Year Inflation Protected Deposit Bond
- The Legal & General Inflation Protected Deposit Bond 2 is a five year structured deposit plan linked to the performance of the Retail Prices Index (‘RPI’).
- The objective of the Plan is to return your full capital at maturity and provide either a fixed return of 16%, or if greater, 100% of any growth in the Retail Prices Index with no cap. Growth of the RPI will be measured by the change in the RPI over the full five year term.
- You can apply for this plan via cash ISA, cash ISA transfer, or alternatively through a charity, company, self-invested personal pension plan (SIPP) or small self-administered scheme (SSAS).
- Fixed return of 16% or, if greater:
- 100% of any growth in RPI, with no cap
- Capital protected product*
- RBS is the deposit taker
- Eligible for the Financial Services Compensation Scheme up to £85,000 for an individual or up to £170,000 for a joint deposit account**
- Investment term - 5 Years
- Minimum single investment - £500
- Maximum ISA investment - £5,340
- No maximum total investment
- Also available to businesses and charities
- ISA transfer deadline - 17th February 2012
- ISA investment deadline - 2nd March 2012
- Direct investment deadline - 2nd March 2012
- * The return of your capital and any stated returns depends on the ability of the deposit taker (Royal Bank of Scotland plc) to repay the monies.
Investec FTSE 100 Enhanced Kick-Out Plan 30
- **Special Offer** Invest £100,000 or over and Get 1% Cash Back on the amount you invest into this bond.
- For example, if you deposit £100,000 you will get a cheque for £1000 one month after the date of your investment.
- Option 1 of the Investec FTSE 100 Enhanced Kick-Out Plan 26 is a structured investment plan linked to the performance of the FTSE 100 Index (‘the index’).
- The objective of the Plan is to deliver attractive returns with potential for early maturity dependent on the performance of the Index.
- The Plan has a 5 year term, but offers the opportunity to mature early after years 1, 2, 3 or 4. To achieve early maturity the average closing levels of the Index for the five business days up to, and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 13.50% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 40.5%.
- If the Plan does not achieve early maturity then it will run for the full 5 year term and will return 1.2 times any growth in the Index with no upper limit, by comparing the Initial Index Level (‘the IIL’) and the Final Index Level (‘the FIL’).
- The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential return of 13.5% pa in years 1,2,3 & 4 or a final growth return of 1.2 x any rise in the FTSE 100
- Capital at risk product*
- Investment term - Up to 5 Years
- Minimum single investment - £1,500
- Maximum stocks & shares ISA investment - £10,680
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 10th February 2012
- Direct investment and ISA deadline: 24th February 2012
- *The return of your initial investment and any stated returns depend on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
Legal and General 6 Year Early Bonus Plan 4
- **Special Offer** Invest £100,000 or over and Get 1% Cash Back on the amount you invest into this bond.
- For example, if you deposit £100,000 you will get a cheque for £1000 one month after the date of your investment.
- The Legal & General Early Bonus Plan 4 is a 6 year Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 1, 2, 3, 4 or 5. The Plan will achieve early maturity if on any Anniversary Date the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then the Plan will return your original capital plus 11% times the number of years the Plan has been active.
- Example - If the conditions were met on the fourth anniversary, the Plan would mature early, returning your capital plus 44% (i.e. 4 x 11% of your original investment). If, on the sixth anniversary the Index is equal to, or higher than the Initial Index level, the Plan will return your original capital plus 66%. However, if on the sixth anniversary, the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
- The Plan is available for stocks & shares ISA, ISA transfer and direct investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Plan Details
- Potential early maturity return - 11% x the number of years the Plan is active*
- Capital at risk investment**
- Investment term - 6 Years
- Minimum single investment - £3,000
- Also available to businesses, charities and trusts
- ISA transfer deadline - 10th February 2012
- ISA investment deadline - 24th February 2012
- Direct investment deadline - 24th February 2012
- *At the end of the investment term you will receive the potential fixed return as long as the level of the FTSE 100 Index at maturity is equal to or higher than the starting level.
- ** The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty, Abbey National Treasury Services Plc, who are a wholly owned subsidiary of Santander UK Plc.
Barclays Investment ISA
- Choosing the right fund from the following 3 categories:
- 1. FOUNDATION FUNDS
- Five ready-made portfolios from Barclays Wealth
- Funds invest in a mix of assets for ready-made diversification
- Designed for all types of investors
- Returns dependent on market performance
- 2. INVESTORS' CHOICE FUNDS
- Choose from 17 products
- Wider selection of funds from well known investment companies
- Build your own portfolio
- Choose funds to match your goals
- Returns dependent on market performance
- 3. STRUCTURED PRODUCTS (FIXED TERM INVESTMENTS)
- One product available
- Aims to repay at least original capital at end of fixed term
- Tax efficient within an investment ISA
- Potential for defined return dependent on the performance of FTSE 100 Index
*Returns are not guaranteed – See Product details
Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.
Please remember the value of your investments and the income from them can go down as well as up. You may not get back the full amount you have invested. If you're in any doubt you should consult an appropriate Financial Adviser.
Disclaimer (Please Read)
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Investment Plans Explained
- What are Investment Plans?
Investment plans offer savers an exciting saving option, providing the opportunity to invest in a variety of funds managed by professional investment managers giving them the potential to earn significantly higher returns that those offered on regular savings accounts. Investment bonds are usually used to produce long-term capital growth, but are also used to generate income.
- What are the risks involved?
The minimum investment is typically between £3,000 and £10,000. Unlike stable savings accounts, there is an element of risk involved when investing in plans, but if you would you would rather minimise the risk involved you can choose a plan that covers your investment using capital protection, so you would only be risking your returns. As with most risks, there's always the potential to see a positive outcome, and by choosing the right places to invest, you could find yourself earning some very attractive returns on your investment.
- How can I earn tax free returns from Investment Plans?
As well as regular investment plans, savers can also incorporate their Individual Savings Account (ISA) allowance, allowing them to invest up to £10,680 every year without having to pay a penny in taxes on the returns gained. This can be an extremely effective method for making your savings grow, as there is no limit to the amount of tax free returns you can earn within in any one year. Some people have been known to make it to the ISA Millionaire status simply through making good use of their ISA allowances.
