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Latest Investment Commentary

Pure income – 5 bond funds paying over 5% income

Oliver Roylance-Smith / 15 Apr 2014

Regardless of what is happening in the UK economy, one of the most frequent demands put on our capital is to provide us with income. From fully capital protected bank Read More

Last Minute Investment ISAs – Our Top 5

Oliver Roylance-Smith / 28 Mar 2014

With less than a week to go until the deadline for using your 2013/14 Investment ISA allowance (£11,520), this is your last opportunity to protect your returns from the taxman. Read More

60 Second Guide to the Budget

Oliver Roylance-Smith / 28 Mar 2014

With probably the most talked about Budget for many years and finally one that has gone the way of savers, we give you a 60 second guide to the changes Read More

2014 Investment ISA Selections

Oliver Roylance-Smith / 18 Mar 2014

With the 5th April end of tax year deadline close at hand, we bring you our selection of income and growth investment plans to help you decide how to best Read More

Top 3 income investment ISAs

Oliver Roylance-Smith / 04 Mar 2014

With only a month to go, time is running out to maximise the valuable tax benefit of your ISA allowance before the deadline on 5th April 2014 – otherwise it Read More

Latest Savings Commentary

The new ISA allowance all wrapped up with tax free fixed income

Oliver Roylance-Smith / 15 Apr 2014

For both savers and investors, the start of the new tax year brings with it a new and increased ISA allowance which is available to use now, even if you Read More

Last Minute Cash ISAs – Our Top 5

Oliver Roylance-Smith / 28 Mar 2014

Time is running out to meet the 5th April end of tax year deadline and so this is your last opportunity to protect your 2013/14 Cash ISA allowance (£5,760) from Read More

60 Second Guide to the Budget

Oliver Roylance-Smith / 28 Mar 2014

With probably the most talked about Budget for many years and finally one that has gone the way of savers, we give you a 60 second guide to the changes Read More

Nationwide offers 5% interest on current account balances up to £2,500

Isabel Buxton / 03 Mar 2014

Many people rely on instant access savings accounts for their emergency funds – as a safe place to keep easily-accessible cash for a rainy day. However, with this year’s crop Read More

Best Fixed Rate Bonds for March 2014

Isabel Buxton / 03 Mar 2014

While top fixed rate deals might be thin on the ground at the moment, there are alternatives to traditional fixed rate bonds, such as structured deposit plans, which could be Read More

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Savings & Investment Specialist

Fair Investment Company provides innovative solutions from high street and private banks as well as leading investment providers allowing you to compare the latest deals and offers.

We're here to help you get a fairer deal for your money by providing you with exceptional choice, value and service.

Oliver Roylance-Smith, Head of Savings & Investments

Latest Savings Deals

Latest Investment Ideas

Investing for Fixed Income

Provider	Plan Name	Counterparty	ISA Option	Term	Income Yield	More Info
Investec	FTSE 100 Enhanced Income Plan	Investec Bank plc		6 years	5.52% fixed income per annum	More Info >
5.52% income paid regardless of the performance of the FTSE 100 Monthly income Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 9 May 2014 Investment deadline for direct and ISA - 23 May 2014 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term

Investec

FTSE 100 Enhanced Income Plan

Investec Bank plc

6 years

5.52%
fixed income per annum

More Info >

5.52% income paid regardless of the performance of the FTSE 100
Monthly income
Available for ISA, ISA transfer and direct investment
Investment deadline for ISA transfers - 9 May 2014
Investment deadline for direct and ISA - 23 May 2014

Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
Minimum investment £3,000
An arrangement fee applies to this plan
Product designed to be held for the full term

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.

Income Investment Plans selection

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 4 Quarterly Income Plan	Credit Suisse AG	6 years	8.6% per annum	More Info >
Up to 8.6% per year based on four FTSE 100 shares staying above 60% of their opening values Quarterly payments Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 18 April 2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 30 April 2014 Capital is at risk if one or more shares has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share Minimum investment £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	UK Target Income Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	6 years	6% per annum	More Info >
Up to 6% per year based on the performance of the FTSE 100 Quarterly payments Available for ISA, ISA transfer and direct investment Investment deadline stocks and shares ISA transfers - 17 April 2014 Investment deadline cash ISA transfers - 25 April 2014 Investment deadline for direct and ISA - 9 May 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, 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 Product designed to be held for the full term

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Direct Transfer Account	1.00%	Easy Access	More Info >
Monthly and Annual Interest Options Access – online, telephone and post Covered by the FSCS (Financial Services Compensation Scheme) Minimum deposit £1,000 Variable interest rate
	Natwest Instant Saver	0.50%	Instant access	More Info >
Balances from £1 to £24,999 receive a rate of 0.50% AER/0.50% Gross p.a. (variable) rising to 0.75% AER/0.75% Gross p.a. (variable) for balances of £25,000 and over. No penalties and no withdrawal charges Manage your account online, in branch or by phone Over 16s only
	RBS Instant Saver	0.50%	Instant access	More Info >
Balances from £1 to £24,999 receive a rate of 0.50% AER/0.50% Gross p.a. (variable) rising to 0.75% AER/0.75% Gross p.a. (variable) for balances of £25,000 and over. No penalties and no withdrawal charges Manage your account online, in branch or by phone Over 16s only

Growth Investment Plan Selection

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 4 Defensive Autocall Plan	Credit Suisse AG	Up to 6 years	13.5% per annum	More Info >
13.5% for each year (not compounded) provided four FTSE 100 stocks finish equal to or higher than the required kick out level Potential to mature early every year, from year 1 onwards Kick out level reduces from 95% to 65% over the term Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 11 April March 2014 Investment deadline for 2013/14 and ISA by cheque or bank transfer - 4 April 2014 Investment deadline for direct and 2014/15 ISA by cheque or bank transfer - 23 April 2014 Capital is at risk if one or more stocks has fallen by more than 50% at maturity from their starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing stock Minimum investment £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE 4 FTSE 100 Autocall Plan	BNP Paribas	Up to 6 years	12% per annum	More Info >
3% for each quarter (not compounded) provided four of the largest FTSE 100 companies share prices finish equal to or higher than their starting value Potential to mature early, from quarter 4 onwards Kick out level reduces to 75% at the end of year 6 Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 22 April 2014 Investment deadline for 2013/14 ISA by cheuqe or bank transfer - 4 April 2014 Investment deadline for direct and 2014/15 ISA by cheque or bank transfer - 2 May 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, 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 Product designed to be held for the full term
	FTSE 100 Enhanced Kick Out Plan	Investec Bank plc	Up to 6 years	9.75% per annum	More Info >
9.75% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging) Alternative collaterised options also available returning a potential 7.5% or 8% each year Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 9 May 2014 Investment deadline for direct and ISA - 23 May 2014 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	UK Kick-out Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	Up to 6 years	9% per annum	More Info >
9% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline stocks and shares ISA transfers - 17 April 2014 Investment deadline for cash ISA transfers - 25 April 2014 Investment deadline for direct and ISA - 9 May 2014 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, 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 Product designed to be held for the full term
	FTSE Defensive Kick Out Plan	Morgan Stanley	Up to 6 years	8% per annum	More Info >
8% for each year (not compounded) provided the FTSE 100 finishes at least 95% of its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 2 May 2014 Investment deadline ISA & non-ISA investments - 9 May 2014 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than 95% of its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE Defensive Supertracker Plan	Morgan Stanley	6 years	66%	More Info >
Return of 3.3 x FTSE 100 growth above 90% of initial level, capped at 66% Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 2 May 2014 Investment deadline ISA & non-ISA investments - 9 May 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE Autocall Plan	BNP Paribas	Up to 6 years	8% per annum	More Info >
8% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 21 May 2014 Investment deadline for direct and ISA - 2 June 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, 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 Product designed to be held for the full term
	FTSE 100 Defensive Kick-Out Plan	Investec Bank plc	Up to 6 years	7.25% per annum	More Info >
7.25% for each year (not compounded) provided the FTSE 100 finishes above 90% of its starting value Potential to mature early, from year 3 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 9 May 2014 Investment deadline for direct and ISA - 23 May 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	UK Step Down Kick-out Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	Up to 6 years	6.25% per annum	More Info >
6.25% for each year (not compounded) provided the FTSE 100 finishes at or above 100% of its staring value in year 2, reducing by 5% each year after to 80% in year 6 Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline stocks and shares ISA transfers - 17 April 2014 Investment deadline for cash ISA transfers - 25 April 2014 Investment deadline for direct and ISA - 9 May 2014 Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, 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 Product designed to be held for the full term
	FTSE Step Down Autocall Plan	BNP Paribas	Up to 6 years	6.4% per annum	More Info >
6.4% for each year (not compounded) provided the FTSE 100 finishes above 100% of its starting level in year 2, reducing by 2.5% each year, and down to 80% in the final year Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Inestment deadline for ISA transfers - 22 April 2014 Investment deadline 2013/14 ISA - 4 April 2014 Investment deadline 2014/15 ISA & non-ISA investments - 2 May 2014 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than 80% of its starting value, 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 Product designed to be held for the full term

Fixed Rate Bond Selection

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Rate Bond	3.00%	5 Year	Apply Now >
Manage your account online, by phone or post Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older Minimum opening balance of £1,000 No withdrawals
	4 Year Fixed Rate Bond	2.66%	4 Years	Apply Now >
Earn 2.66% gross/AER fixed for 4 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals allowed Bond designed to be held for full term
	3 year Fixed Term Deposit	2.15%	3 years	Apply Now >
Minimum opening balance of £1,000, up to a maximum balance of £1,000,000 Interest paid annually Available as a single or joint account Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
	3 Year Fixed Rate Bond	2.20%	3 Year	Apply Now >
Manage your account online, by phone or post Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older Minimum opening balance of £1,000 No withdrawals
	Jordan International Bank 1 Year Fixed Rate Bond	1.90%	1 Year	Apply Now >
Save from £20,000 Interest paid semi-annually Apply online Covered by the FSCS (Financial Services Compensation Scheme) Over 18s only UK residents only No withdrawals or additional deposits
	2 Year Fixed Rate Bond	1.80%	2 Year	Apply Now >
Manage your account online, by phone or post Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older Minimum opening balance of £1,000 No withdrawals
	1 Year Fixed Rate Bond	1.60%	1 Year	Apply Now >
Manage your account online, by phone or post Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older Minimum opening balance of £1,000 No withdrawals
	18 Month Fixed Rate Bond	1%	18 Months	Apply Now >
Open to new and existing customers Covered by the FSCS (Financial Services Compensation Scheme) No withdrawals or additional deposits allowed £5,000 minimum deposit
	9 Month Fixed Rate Bond	0.75%	9 Months	Apply Now >
Open to new and existing customers Covered by the FSCS (Financial Services Compensation Scheme) No withdrawals or additional deposits allowed £5,000 minimum deposit

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. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. 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 at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Non Advisory Terms of Business and Disclaimer & Privacy Statement for further information.

The Financial Conduct Authority does not regulate taxation and trust advice, debt management, unsecured loans, credit cards, advice on household bills and some aspects of deposits, buy to let mortgages and secured loans. The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.