Banking & Saving - Investment Plans | Growth Bonds | Income Bonds

Which 4U - Compare, Choose, Apply & SAVE!

Main Menu

Bread Crumb Trail

Banking & Saving

Investment Plans

Featured A/C
Alliance & Leicester
- Bank Accounts
- Business Banking
- ISA
- Savings Accounts
Barclays
- Bank Accounts
- Business Banking
Egg
- Savings Accounts
Halifax
- Bank Accounts
- Fixed Rate Bonds
- ISA
- Savings Accounts
HSBC
- Bank Accounts
ING Direct
- ISA
- Savings Accounts
Legal & General
- ISA
Liverpool Victoria
- ISA
Lloyds TSB
- Bank Accounts
- Business Banking
- Business Savings Accounts
- Fixed Rate Bonds
- ISA
- Savings Accounts
Morgan Stanley
- ISA
Nationwide
- Fixed Rate Bonds
- Savings Accounts
NatWest
- Bank Accounts
- ISA
Post Office
- Savings Accounts
Principality
- ISA
RBS
- Bank Accounts
Santander
- Bank Accounts
- Business Banking
- Business Savings Accounts
- Fixed Rate Bonds
- ISA
- Savings Accounts
TD Waterhouse
- ISA
Tesco
- Savings Accounts
Virgin
- ISA

Compare Investment Plans

Compare some of the best Investment Plans including Growth Bonds and Income Bonds with our easy to use comparison tables and find the right investment opportunity for you.

Income Bonds

Provider	Account	Income Yield	Interest Paid	Capital Protected	ISA Option	Apply
	UBS 5 Year FTSE Income Plan 5 Year Structured Income Bond with a Conditional Income Option - 6.50% gross (in arrears)* or a Fixed Income Option - 5.80% gross (in arrears). Can be used for ISA transfers & SIPP investment up to £500,000.	6.50% each year	Monthly			Apply > More Info
	Investec 5 Year Guaranteed FTSE 100 Income Plan 8 5 Year Capital Protected Structured Income Bond with an annual yield of 5.40% or a monthly yield of 0.43%	5.40% each year	Annually			Apply > More Info

UBS 5 Year FTSE Income Plan

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
Conditional Income Option - 6.50% gross (in arrears)* or
Fixed Income Option - 5.80% gross (in arrears)
The FTSE Income Plan provides investors with two investment options providing annual returns of 6.50% or 5.80%. The Conditional Income Option provides an annual return of 6.50% provided the FTSE 100 Index remains above 50% of its starting level throughout the 5 year term. Alternatively, the Fixed Income Option provides an annual return of 5.8% regardless of the performance of the FTSE 100 Index over the 5 year term.
The capital invested in both options is at risk if the FTSE 100 Index drops below 50% of its starting level at any point during the term.
Online applications are available for the FTSE Income Plan (excluding ISA transfers) for both fixed and conditional income options.
The Counterparty to the Plan – UBS AG, London Branch – is part of the UBS group. Headquartered in Switzerland, UBS is present in all major financial centres worldwide, including offices in over 50 countries and employing more than 65,000 people. UBS is regulated by the FSA in the United Kingdom in the conduct of its investment business, and currently has a Standard & Poor’s long term credit rating of A+.
Capital at Risk Investment**
Investment Term - 5 years
Plan counterparty - UBS AG, London Branch
Minimum Investment - £3,600
Within your individual Stocks & Shares ISA limit:
For individuals aged 50 or over on 5th April 2010 the limit is £10,200 for 2009/10 and 2010/11;
For individuals aged under 50 the limit is £7,200 for 2009/10 tax year and £10,200 for 2010/11
Available as a Stocks & Shares ISA, Stocks & Shares ISA Transfer and for Direct Investment.
2009/10 ISA Deadline: 1 April 2010
2010/11 ISA Deadline: 27 April 2010
ISA Transfer Deadline: 16 April 2010
Direct Investment Deadline: 27 April 2010
* Payments of annual income will depend on the performance of the FTSE 100 Index and the ability of the Plan counterparty (UBS AG, London Branch) to meet its obligations.
** The repayment of your original investment at maturity will depend on the performance of the FTSE 100 Index and payments of annual income will depend on the ability of the Plan counterparty (UBS AG, London Branch) to meet its obligations.

Investec 5 Year Guaranteed FTSE 100 Income Plan 8

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Investec 5 Year FTSE 100 Income Deposit Plan 8 aims to provide regular income payments while protecting your initial deposit when the Plan matures. The Plan has two income options; annual and monthly.
The Plan will return an income of 5.40% annually or 0.43% monthly, provided the FTSE 100 Index remains at or above 50% of its initial level. If the Plan falls below 50% of its initial level then income payments will cease. However, if the Index recovers to its starting level then the missed payments will be paid out and income payments will restart.
Your initial capital will still be returned in full at maturity regardless of the performance of the FTSE 100 Index.
This is a structured investment plan.
Annual Income Option - 5.40% gross or
Monthly Income Option - 0.43% gross
Covered by the Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account.
Capital Protected Product**
Investment Term - 5 Years
Minimum Single Investment - £1,500
Maximum Within Your Individual Cash ISA limit - £3,600
For individuals aged 50 or over on 5th April 2010, the limit is £5,100
Maximum Direct Investment - £1,000,000
This Plan is not the same as a bank or building society deposit account and charges may apply if your capital is withdrawn early
ISA Transfer Deadline - 19 February 2010
Direct Investment & ISA Deadline - 12 March 2010
*Subject to the Scheme's eligibility criteria - see brochure for details.
**The return of your capital depends on the ability of the counterparty (Investec Bank plc) to repay your money.

Growth Bonds

Account	Maximum Growth Return*	Apply
Investec Guaranteed 5 Year FTSE 100 Plan 15 Option 1 This capital protected plan offers a maximum return of 40% at maturity.	40% after 5 years	Apply > More Info
Investec Guaranteed 3 Year FTSE 100 Plan 15 Option 1 This capital protected plan offers a maximum return of 19% at maturity.	19% after 3 years	Apply > More Info
Morgan Stanley Morgan Stanley FTSE Protected Growth Plan 32 This 6 year structured investment plan offers a return of up to 18% with the potential to kick out after 3 years.	18% after 3 years	Apply > More Info
Morgan Stanley Morgan Stanley 6 Year FTSE Best Entry Growth Plan This 6 year structured investment plan offers two times any positive growth in the FTSE 100.	2x Growth in FTSE	Apply > More Info
Morgan Stanley 6 Year FTSE Kick Out Growth Plan 2 This 6 year structured investment plan offers the potential to kick out after 3 years with a maximum return of 50%. Invest up to £7,200p.a within ISA allowance, and unlimited without.	110% after 6 years	Apply > More Info

Investec Guaranteed 5 Year FTSE 100 Plan 15 Option 1

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Investec FTSE 100 5 Year Deposit Plan 15 Option 1 aims to provide a higher return than is available through other deposit accounts, whilst returning your initial deposit when the plan matures. The 5 year plan offers a fixed return of up to 40%, dependent on the performance of the FTSE 100 Index.
At the end of your investment term you will receive the fixed return as long as the final level of the FTSE 100 Index is higher than the starting level. If the FTSE 100 Index is the same as or below the starting level you will still receive your initial investment.
Investec Bank plc, as the Plan Manager, offers a choice of deposit taker, either Investec Bank plc or Lloyds TSB plc.
This is a structured investment plan.
Investec Version Potential Fixed Return - 40% gross
Lloyds Version Potential Fixed Return - 32.5% gross
The difference in returns payable is an indicator of the deposit taker's credit rating
Both deposit takers are covered by the Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account *
Capital Protected Product**
Investment Term - 5 Years
Minimum Single Investment - £1,500
Maximum Within Your Individual Cash ISA limit - £3,600
For individuals aged 50 or over on 5th April 2010, the limit is £5,100
This Plan is not the same as a bank or building society deposit account and an early exit fee will apply if your capital is withdrawn early
ISA Transfer Deadline - Passed
Direct Investment & ISA Deadline - 12 March 2010
*Subject to the Scheme's eligibility criteria - see brochure for details.
**The return of your capital depends on the ability of the deposit taker (Investec Bank plc or Lloyds TSB Bank plc) to repay the monies.

Investec Guaranteed 3 Year FTSE 100 Plan 15 Option 1

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Investec FTSE 100 3 Year Deposit Plan 15 Option 1 aims to provide a higher return than is available through other deposit accounts, over its 3 year investment term. The plan ensures that your initial deposit is returned in full if the plan is held to maturity. A fixed return of 19% is possible at maturity, dependent on the final level of the FTSE 100 Index.
At the end of your investment term you will receive the fixed return as long as the final level of the FTSE 100 Index is higher than the the starting level. If the FTSE 100 Index is the same as or below the starting level you will still receive your initial investment.
This is a structured investment plan.
Potential Fixed Return - 19% Gross
Covered by Financial Services Compensation Scheme up to £50,000 for an individual or up to £100,000 for a joint deposit account *
Capital Protected Product**
Investment Term - 3 Years
Minimum Single Investment - £1,500
Maximum Within Your Individual Cash ISA limit - £3,600
For individuals aged 50 or over on 5th April 2010, the limit is £5,100
Maximum Direct Investment - £1,000,000
This Plan is not the same as a bank or building society deposit account and an early exit fee will apply if your capital is withdrawn early
ISA Transfer Deadline - Passed
Direct Investment & ISA Deadline - 12 March 2010
*Subject to the Scheme's eligibility criteria - see brochure for details.
**The return of your capital depends on the ability of the counterparty (Investec Bank plc) to repay the monies.

Morgan Stanley Morgan Stanley FTSE Protected Growth Plan 32

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Morgan Stanley FTSE Protected Growth Plan 32 is a six year capital protected structured investment plan linked to the FTSE 100.
It offers an early exit feature with a fixed return of 18% if the FTSE 100 Index has risen by 15% or more after three years. If this does not occur then the Plan will continue for the full six year term and you will receive a return equal to 100% of the Index performance at maturity with no upper limit. You will receive your initial capital at maturity regardless of the performance of the FTSE 100 Index.
This is a structured investment plan.
Growth Returns: 100% of FTSE 100 Index growth
Early Exit Return: 18%*
Capital protected product **
Investment Term: 6 Years
Minimum Single Investment: £3,000
Maximum within your individual stocks and shares ISA limit – £7,200
(For individuals aged 50 or over on 5th April 2010, the limit is £10,200)
ISA Transfer Deadline - 4 Mar 2010
Direct Investment & ISA Deadline - 15 Mar 2010
* Available if the FTSE 100 Index has risen by 15% or more three years into the Plan.
** The return of your capital also depends on the ability of the counterparty (Morgan Stanley) to repay the monies.

Morgan Stanley Morgan Stanley 6 Year FTSE Best Entry Growth Plan

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Morgan Stanley FTSE Best Entry Growth Plan is a six year investment plan that is linked to the FTSE 100 Index. The Plan offers a return of two times any positive growth in the Index over the six years subject to a maximum of 80%.
The Plan benefits from a market timing feature that measures the performance of the FTSE 100 Index monthly for the first four months, and the lowest recorded level is used as the starting point for performance. Capital is at risk if at maturity the Index has fallen by 50% or more from the starting level.
This is a structured investment plan.
Growth Return: Two times any positive growth in the Index
Capital at risk product*
Investment Term: 6 Years
Minimum Single Investment: £3,000
Maximum within your individual stocks and shares ISA limit – £7,200
(For individuals aged 50 or over on 5th April 2010, the limit is £10,200)
ISA Transfer Deadline - 4 Mar 2010
Direct Investment & ISA Deadline - 15 Mar 2010
*The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.

Morgan Stanley 6 Year FTSE Kick Out Growth Plan 2

**Special Offer** Invest £10,000 or over and Get 1% Cash Back on the amount you invest into this bond.
For example, if you deposit £10,000 you will get a cheque for £100 one month after the date of your investment.
The Morgan Stanley FTSE Kick Out Growth Plan is a six year investment linked to the FTSE 100 Index.
It offers an early exit feature with a fixed return of 50% if the FTSE 100 Index has risen by 15% or more after three years. If this does not occur then the Plan will continue for the full six year term and you will receive a return equal to 110% of the Index performance at maturity with no upper limit. Capital is at risk if at maturity the Index has fallen by 50% or more from the starting level.
This is a structured investment plan.
Growth Returns: 110% of FTSE 100 Index growth
Early Exit Return: 50%*
Capital at risk product**
Investment Term: 6 Years
Minimum Single Investment: £3,000
Maximum within your individual stocks and shares ISA limit – £7,200 (For individuals aged 50 or over on 5th April 2010, the limit is £10,200)
ISA Transfer Deadline - 4 Mar 2010
Direct Investment & ISA Deadline - 15 Mar 2010
* Available if the FTSE 100 Index has risen by 15% or more three years into the Plan.
** The return of your capital also depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.

Structured Investment Products promoted by Fair Investment Company Limited, Fair Investment Company Limited is Authorised and Regulated by the Financial Services Authority.

Latest Investment Bonds News

ISA investment increase recorded: Investment in cash ISAs has surged over the years, according to a new set of figures. An increasing amount of money is being invested in cash ISAs, new Halifax research indicates.Data ...; Read More >; Wed 17th Feb, 2010
Investment ISA sales 'highest in six years': The Investment Management Association (IMA) have revealed that last month, investment ISA net sales reached £247million, marking the highest quarterly ISA sales seen in six years. ISA ...; Read More >; Thu 30th Jul, 2009
People 'taking steps to diversify investments': Splitting money across various financial vehicles - including savings accounts and cash-based individual savings accounts (ISAs) - is becoming increasingly popular among savers. As the ...; Read More >; Mon 23rd Mar, 2009
Child investment factsheet updated: The Association of Investment Trust Companies (AITC) has updated its free factsheet, 'Investing for Children'. The factsheet is aimed at parents wishing to invest in their children's ...; Read More >; Tue 6th Sep, 2005

View Latest Investment Bonds News Archive >

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 £7,200 per year (soon to increase to £10,200) 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 know to make it to the ISA Millionaire status simply through making good use of their ISA allowances.

Editors Choice

Investec 5yr Guaranteed Income Plan

Investec are offering a guaranteed return of 5.40% per year with NO risk to your initial investment! Deposit £1,500 up to £1m.

Apply >

Banking & Saving - Investment Plans | Growth Bonds | Income Bonds

Money Saving E-Newsletter

Main Menu

Bread Crumb Trail

Compare Investment Plans

Income Bonds

Growth Bonds

Latest Investment Bonds News

Investment Plans Explained

Editors Choice

Investec 5yr Guaranteed Income Plan

Other Pages

Banking &amp; Saving - Investment Plans | Growth Bonds | Income Bonds

Money Saving E-Newsletter

Main Menu

Bread Crumb Trail

Compare Investment Plans

Income Bonds

Growth Bonds

Latest Investment Bonds News

Investment Plans Explained

Editors Choice

Investec 5yr Guaranteed Income Plan

Other Pages

Banking & Saving - Investment Plans | Growth Bonds | Income Bonds