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Money Saving & Investing Investment Plans Investing For Income
Investing for Income - In the current economic climate with savings rates at a historic low many people are looking for alternative options for income. For the right investment for income account for you, use the Which4U tables and apply today.
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Editors Choice - Investec 3yr Deposit Plan - 18% Return
Get a potential return of 18% provided that the Final FTSE Index Level is higher than the Initial FTSE Index Level.
Investing for Income
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5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.
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7.50%per annum
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A 5 year structured investment plan paying a potential maximum quarterly income of 2.10% (equivalent to 8.40% per year). Also available for Stocks & Shares ISA and ISA transfer.
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8.40%per annum
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Investec FTSE 100 Bonus Income Plan
- The Investec FTSE 100 Bonus Income Plan 23 – 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 0.58% 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.
- Capital will be at risk if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level.
- 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 - £3,000
- Maximum Stocks & Shares ISA investment - £11,280
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 11th May 2012
- Direct investment deadline: 25th May 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. The UK Banks option has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of HSBC plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc.
Gilliat Income Builder Plus
- Potential maximum quarterly income: 1.975% (equivalent to 7.90% annually) Capital at risk product* The counterparty for this plan is Morgan Stanley Investment term - 5 Years and 3 weeks Minimum single investment - £3,000 Maximum 2011/12 ISA investment - £10,680 Maximum 2012/13 ISA investment - £11,280Investment deadline for ISA transfers: 30th March 2012Investment deadline for 2011/12 ISAs: 5th April 2012 Investment deadline for 2012/13 ISAs and direct investment: 23rd April 2012 * 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.
Investing for Growth
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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% 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%per annum
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6 year structured investment plan with the potential to mature early, returning the greater of 9.50% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer
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9.50%per annum
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A 6 year structured investment plan with the potential to mature early, paying 9% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
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9%per annum
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6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.
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60%
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5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.
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80%
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A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.
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60%
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5 year structured investment plan with the potential to return 2.5 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.
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No limit
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A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.
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35%
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Investec FTSE 100 Enhanced Kick Out Plan Investec Version
- Option 1 of the Investec FTSE 100 Enhanced Kick-Out Plan 28 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% times the number of years the Plan has been active (not compounded). For example, early maturity at the end of year 3 would return 39%. 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’).
- Capital will be at risk if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level.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% 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 - £3,000
- Maximum Stocks & Shares ISA investment - £11,280
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 11th May 2012
- Direct investment deadline: 25th May 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.
Morgan Stanley FTSE Defensive Bonus Plan
- The Morgan Stanley FTSE Bonus Growth Plan 7 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 deliver attractive fixed returns with potential for early maturity dependent on the performance of the Index.
- The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any yearly Observation Date, the closing level of the Index is the same as or higher than the Initial Index Level, you can elect for the Plan to mature early and receive the bonus feature; a return of capital plus 12.5% times the number of years the Plan hasbeen active. For example, if conditions were met at the third Observation Date, you can elect for the Plan to mature early and receive a full return of capital plus a growth return of 37.5%. If conditions are met and you elect to remain invested, there will be no further exposure to the Index and you will accrue no further return.
- If conditions are not met on any of the yearly Observation Dates, or at the end of year six you will receive no growth returns and return of your capital may be at risk.
- The Plan is available for stocks and shares ISA, ISA transfer, direct investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
- Potential bonus feature return: 12.5% times the years the plan has been active
- Capital at risk investment*
- Investment Term - 6 Years
- Minimum Single Investment - £3,000
- Maximum current year ISA investment - Up to £10,680
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- ISA transfer deadline: 1st March 2012
- Direct investment and ISA deadline: 8th March 2012
- *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.
Legal and General Early Bonus Plan
- The Legal & General Early Bonus Plan 5 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 10.5% times the number of years the Plan has been active.
- Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 21% (i.e. 2 x 10.5% 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 63%. 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 - 10.5% 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
- Investment deadline for 2011/12 ISA investment: 5th April 2012
- Investment deadline for ISA Transfers 5th April 2012
- Investment deadline for direct investment and 2012/13 ISA investment: 20th April 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.
Morgan Stanley FTSE Booster Plan
- The Morgan Stanley FTSE Booster Plan 3 is a 6 year two week Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’)
- You will receive a fixed return of 60%, as well as the repayment of your initial investment at maturity as long as the Final Index Level has risen over the investment term or has not fallen by more than 20% from the Initial Index Level.
- Example: if the Index has risen by 5%, for a £10,000 investment you would receive £16,000 at maturity. If the Index has dropped by 15% you would still receive a fixed return of £16,000. If at maturity the Final Index Level has fallen by more than 20% from the Initial Index Level, you will receive an amount equivalent to 2 x the Final Level percentage. For example, if the Index dropped to 75% of its Initial Index Level, for an investment of £10,000 you will receive back £15,000 (£10,000 x 75%, x 2), equivalent to 50% growth. If the Index drops to 60% of its Initial Index Level you will receive £12,000, i.e. 20% growth. Therefore the Index can drop up to 50% of its Initial Index Level and you will still receive a positive overall return. Even if the Index falls below 50% you still receive 2 x the Final Level percentage, thereby cushioning your capital loss. For example, if the Index dropped to 30% of its Initial Index Level, you would receive £6000.
- 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 growth returns: 60%*
- Capital at risk product**
- Unique 'booster' feature
- Investment term: 6 Years
- Minimum single investment - £3,000
- Maximum current year ISA investment - £10,680
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- ISA transfer deadline: 1st March 2012
- Direct investment and ISA deadline: 8th March 2012
- * Dependent on the performance of the FTSE 100
- ** 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.
Investec FTSE 100 Geared Returns Plan
- The Investec FTSE 100 Geared Returns Plan 33 – Investec option is a five year Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to provide a defined return of 80% even if the Index has only risen by a small amount over the 5 year term.
- The Plan will return your Initial investment and the defined return at maturity if the Final Index Level is above the Initial Index Level.
- If the Final Index Level is the same as or lower than the Initial Index Level you will not receive an investment return and the return of your original capital will depend upon the performance of the Index.
- Capital will be at risk if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level.
- 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 defined return of 80%*
- Capital at risk investment**
- Investment term - 5 Years
- Minimum single investment - £3,000
- Maximum Stocks & Shares ISA investment - £11,280
- Maximum direct investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 11th May 2012
- Direct investment deadline: 25th May 2012
- *At the end of the investment term you will receive the potential defined return as long as the level of the FTSE 100 Index at maturity is higher than the starting level.**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 Growth Plan
- The Legal & General Growth Plan 5 is a 5 year Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the plan is to return your capital at maturity and provide a defined return of 60%, as long as the FTSE 100 Index at the end of the 5 year term is equal to or higher than its starting level. Even if the Index has only risen by a small amount you still receive a 60% return. If the Final Index Level is lower than the Initial Index level, you will not receive an investment return 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 fixed return - 60%*
- Capital at risk investment**
- Investment term - 5 Years
- Minimum single investment - £3,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 24th February 2012
- Direct investment and ISA deadline: 9th March 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, to repay the monies.
Investec FTSE 100 Accelerated Growth Plan
- The Investec FTSE Accelerated Growth Plan 33 is a five year Structured Investment Plan linked to the performance of the FTSE 100 Index (‘the Index’).
- The objective of the Plan is to provide a return of 250% of any growth in the Index after 5 years with no upper limit. Growth in the Index is measured by comparing the Final Index Level to the Initial Index Level. The Plan will pay back your Initial investment and the 250% return at maturity if the Final Index Level is above the Initial Index Level.
- Example: If after 5 years the Index has risen by 20% you will receive a return of £5000 on a £10,000 initial investment. If it has risen by 100% you will receive a return of £25,000.
- Capital is at risk if the final level of the index is below the starting level. 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 - 2.5 x any growth in the FTSE 100, with no upper limit
- Capital At Risk Product*
- Investment term - 5 Years
- Minimum single investment - £3,000
- Maximum Stocks & Shares ISA investment - £11,280
- Maximum investment - £1,000,000
- Also available to businesses, charities and trusts
- ISA transfer deadline: 11th May 2012
- Direct investment deadline: 25th May 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.
Morgan Stanley FTSE Protected Growth Plan
- The Morgan Stanley FTSE Protected Growth Plan 47 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’)
- Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index has risen by 10% or more from the Initial Index Level, the “Early Exit” feature is triggered. At this point, you can choose to exit the plan early and receive a fixed return of 28% plus the repayment of your initial investment. If you choose to remain invested, it should be noted there will be no further exposure to the Index and you will accrue no further return. If the Index has not risen by 10% or more from the Initial Index Level after three years, the Plan will continue to the end of the six year investment term and you will receive 100% of any growth in the Index, with no upper limit. Performance of the Index is measured by comparing the Initial Index level with the Final Index Level, subject to averaging.
- 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.
- Growth Returns: 100% of FTSE 100 Index growth
- Early Exit Return: 28%*
- Capital protected product **
- Investment Term: 6 Years
- Minimum Single Investment - £3,000
- No maximum ISA transfer
- No maximum total investment
- Also available to businesses, charities and SIPPs
- ISA transfer deadline 2011/12: 5th April 2012
- ISA transfer deadline 2012/13: 19th April 2012
- Direct investment and ISA 2012/13 deadline: 26th April 2012
- * Available if the FTSE 100 Index has risen by 10% or more at the 3rd anniversary.** The return of your capital depends on the ability of the counterparty (Morgan Stanley) to repay the monies.
Disclaimer
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.
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Investing for Income
If you are looking to supplement your current income, then investing for income is most likely to be by way of a lump sum which can then be invested in those types of assets which provide a natural and, hopefully, increasing, stream of income. Examples of these types of investments could be fixed interest securities, shares with high levels of dividend income, annuities and high interest deposit accounts.
For those planning for the future, investing in a pension is one of the most common methods of investing for future income needs. Initially, the priority will be to maximise the prospects for capital growth until the income is required and the types of investments that could be considered within a pension could be company shares, fixed interest securities, cash deposits and commercial property, to name but a few. Once the income is required, this is most commonly provided by way of an annuity (although there are other options) which will provide you with a guaranteed income for your lifetime.
The most appropriate type of investment will depend upon your own circumstances and requirements, the prevailing economic environment and your attitude to investment risk amongst other things. With all these factors to take into account, it is important that you seek the advice of a professional impartial service.
