Latest Investment Offers

Experienced Investors

Savings Maximiser

Latest Investment Commentary

Top 5 Alternatives to Neil Woodford’s Income Funds

Oliver Roylance-Smith / 29 Oct 2013

With the fund management industry rocked by the recent news that star fund manager Neil Woodford will be leaving Invesco Perpetual, we take a look at five alternatives to consider Read More

Could The FTSE 100 Reach 8000 Points?

Oliver Roylance-Smith / 29 Oct 2013

According to a number of market analysts, the index of UK’s leading blue chip companies could surge ahead in the short term. With the FTSE 100 Index opening this morning Read More

Investment Focus: Investec Enhanced Income Plan

Oliver Roylance-Smith / 15 Oct 2013

By combining a high fixed income with conditional capital protection, the Enhanced Income Plan from Investec Bank has been our most popular income investment. With the need for income being Read More

Investment Focus: Morgan Stanley Income Accumulator

Oliver Roylance-Smith / 24 Sep 2013

The need for income is a foremost concern of every saver and investor alike, whether you are working and need to supplement your earnings, or retired and looking to add Read More

New Investec Plan Offers Fixed Income of 6.12% pa Paid Monthly

Oliver Roylance-Smith / 01 Aug 2013

Investec have recently launched their most recent income plan offering 6.12% pa. We take a look at a fixed income investment which by combining a high level of monthly income Read More

Latest Savings Commentary

Best Fixed Rate Bonds Roundup November 2013

James Caldwell / 07 Nov 2013

With interest rates continuing at a record low, and with the Government’s Funding for Lending Scheme giving banks cheap money, there’s little incentive for providers to encourage savers by offering Read More

5 things to look out for when opening your savings account

Isabel Buxton / 28 Oct 2013

Whether you’re opening a savings account for the first time or looking for a new deal, you might want to bear in mind our top 5 things to watch out Read More

Virgin Money launches new range of fixed rate bonds

Isabel Buxton / 25 Oct 2013

Virgin Money is launching a new range of fixed rate bonds and fixed rate cash ISAs offering up to 2.75% gross/AER fixed. The new fixed rate bond range includes a Read More

Calling all fixed rate bond holders – time to face the truth

Oliver Roylance-Smith / 15 Oct 2013

The troubles facing fixed rate savers have been commented on frequently in recent months as the harsh reality of maturing bondholders facing significant drops in income levels continues to have Read More

4 reasons to review your savings plans regularly

Oliver Roylance-Smith / 15 Oct 2013

If you have a regular savings habit, you’re already one step ahead of many people in the UK. But don’t rest on your laurels just yet – it’s always a Read More

What Our Clients Say About Us

"I really do appreciate the level of service and responsiveness Fair Investment Company provided. Big banks ought to learn from that."
Mr Gioan, West Midlands

"Your factsheets are wonderful – informative, concise, unambiguous – an absolute delight. Fair Investment have fulfilled a one shop stop in my wants list and have no desire to wander!"
Mr Johnson, Powys

"Our dealings with Fair Investment have been excellent – our accounts were set up much more quickly than with traditional institutions, and we are already feeling the benefit of increased interest income."
Richard Pendlebury MBE and charity trustee

More Testimonials »

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	5.88% fixed income per annum	More Info >
5.88% 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 - 20 December 2013 Investment deadline for direct and ISA - 3 January 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 Product designed to be held for the full term

Investec

FTSE 100 Enhanced Income Plan

Investec Bank plc

6 years

5.88%
fixed income per annum

More Info >

5.88% 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 - 20 December 2013
Investment deadline for direct and ISA - 3 January 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
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 Income Accumulator Plan	Morgan Stanley	6 years	7% per annum	More Info >
Up to 7% per year based on the performance of the FTSE 100 Quarterly payments Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 2 December 2013 Investment deadline for direct and ISA - 9 December 2013 Capital is at risk if the FTSE 100 Index finishes below 4250 points at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE Quarterly Income Plan	BNP Paribas	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 ISA transfers - 6 January 2014 Investment deadline for direct and ISA (cheque) - 15 January 2014 Investment deadline for direct and ISA (Electronic transfer) - 15 January 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

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Instant Access Savings Account	1.50%	Instant access	Apply Now >
Minimum deposit £500 Interest paid on balances above £500 and below £1,000,000 Manage your account in branch or online Sole or joint accounts available Covered by the FSCS (Financial Services Compensation Scheme) Must be aged 18 or over and a UK resident
	Direct Transfer Account	1.00%	Easy Access	Apply Now >
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	Apply Now >
Balances from £1 receive a rate of 0.50% AER/0.50% Gross p.a. (variable) rising to 1.00% AER/1.00% Gross p.a. (variable) for balances of £100,000 or more 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	Apply Now >
Balances from £1 receive a rate of 0.50% AER/0.50% Gross p.a. (variable) rising to 1.00% AER/1.00% Gross p.a. (variable) for balances of £100,000 or more 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 100 Enhanced Kick Out Plan	Investec Bank plc	Up to 6 years	8% per annum	More Info >
Featured investment. No additional charges and the potential to kick out from year 1 8% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging) Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 20 December 2013 Investment deadline for direct and ISA - 3 January 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 Product designed to be held for the full term
	FTSE 3 FTSE 100 Autocall Plan	BNP Paribas	Up to 6 years	12% per annum	More Info >
3% for each quarter (not compounded) provided three 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 - 4 December 2013 2013 Investment deadline for direct and ISA (cheque) - 13 December 2013 Investment deadline for direct and ISA (Electronic transfer) - 13 December 2013 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
	UK Kick-out Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	Up to 6 years	9.25% per annum	More Info >
9.25% 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 - 2 December 2013 Investment deadline for cash ISA transfers - 10 December 2013 Investment deadline for direct and ISA - 18 December 2013 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	8.75% per annum	More Info >
8.75% 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 December 2013 Investment deadline ISA & non-ISA investments - 9 December 2013 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
	Early Bonus Plan (Year 2)	Abbey National Treasury Services plc	Up to 6 years	8.15% per annum	More Info >
8.15% 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 Alternative option available paying 6% each year provided the FTSE 100 finishes at 90% or above its starting value Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 22 November 2013 Investment deadline for direct and ISA - 6 December 2013 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 100 Defensive Kick-Out Plan	Investec Bank plc	Up to 6 years	7.5% per annum	More Info >
7.5% for each year (not compounded) provided the FTSE 100 finishes above 90% of its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 20 December 2013 Investment deadline for direct and ISA - 3 January 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 Defensive Digital Growth Plan	Morgan Stanley	6 years	55%	More Info >
55% return at maturity provided the FTSE 100 finishes at least 85% of its starting value Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 2 December 2013 Investment deadline ISA & non-ISA investments - 9 December 2013 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	7.3% per annum	More Info >
7.3% 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 - 6 January 2014 Investment deadline for direct and ISA (cheque) - 15 January 2014 Investment deadline for direct and ISA (Electronic transfer) - 15 January 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 £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	Early Bonus Plan (Year 1)	Abbey National Treasury Services plc	Up to 6 years	7.25% per annum	More Info >
7.25% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 22 November 2013 Investment deadline for direct and ISA - 6 December 2013 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 Step Down Autocall Plan	BNP Paribas	Up to 6 years	7% per annum	More Info >
7% for each year (not compounded) provided the FTSE 100 finishes above 100% of its starting level in year 2, reducing by 3% 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 - 4 December 2013 Investment deadline ISA & non-ISA investments (cheque) - 13 December 2013 Investment deadline ISA & non-ISA investments (electronic transfers) - 13 December 2013 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
	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	6.5% per annum	More Info >
6.5% 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 - 2 December 2013 Investment deadline for cash ISA transfers - 10 December 2013 Investment deadline for direct and ISA - 18 December 2013 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

Fixed Rate Bond Selection

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Fixed Rate Bond	3.15%	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
	Savings Maximiser 5 Year Fixed Rate Bond	3.14%*	5 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access Covered by the FSCS (Financial Services Compensation Scheme) £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	5 Year Fixed Rate Bond	3.16%	5 Years	Apply Now >
Earn 3.16% gross/AER fixed for 5 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
	4 Year Fixed Rate Bond	2.91%	4 Years	Apply Now >
Earn 2.91% 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
	Savings Maximiser 4 Year Fixed Rate Bond	2.88%*	4 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access Covered by the FSCS (Financial Services Compensation Scheme) £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	4 Year Fixed Rate Bond	2.70%	4 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
	Savings Maximiser 3 Year Fixed Rate Bond	2.63%*	3 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access Covered by the FSCS (Financial Services Compensation Scheme) £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	3 Year Fixed Rate Bond	2.61%	3 Years	Apply Now >
Earn 2.61% gross/AER fixed for 3 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
	5 Year Fixed Rate Bond	2.50%	5 Years	Apply Now >
Save from £10,000 to £1,000,000 Manage your account in branch or online Sole or joint accounts available Covered by the FSCS (Financial Services Compensation Scheme) Must be aged 18 or over and a UK resident No additional deposits or withdrawals permitted during the term
	3 Year Fixed Rate Bond	2.45%	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
	2 Year Fixed Rate Bond	2.33%	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
	Savings Maximiser 2 Year Fixed Rate Bond	2.29%*	2 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access Covered by the FSCS (Financial Services Compensation Scheme) £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	3 Year Fixed Term Deposit Account	2.25%	3 Years	Apply Now >
Interest can be paid monthly, quarterly or annually Also available to charities and trusts £10,000 minimum deposit No Partial Withdrawals
	Savings Maximiser 1 Year Fixed Rate Bond	1.93%*	1 Year	Apply Now >
Savings service - *Indicative rate of interest highlighted All money held in your name Online Access Covered by the FSCS (Financial Services Compensation Scheme) £100k minimum deposit Service fee of 0.20% pa £5k minimum must be held on deposit with Cater Allen Private Bank
	3 Year Fixed Term Deposit	1.95%	3 years	Apply Now >
Earn 1.95% gross/AER fixed for 3 years Deposits are 100% guaranteed by Santander UK plc Interest can be paid gross - subject to eligibility Covered by the FSCS (Financial Services Compensation Scheme) No withdrawals allowed during the term Minimum deposit of £50,000
	2 Year Fixed Term Deposit	1.70%	2 years	Apply Now >
Earn 1.70% gross/AER fixed for 2 years Deposits are 100% guaranteed by Santander UK plc Interest can be paid gross - subject to eligibility Covered by the FSCS (Financial Services Compensation Scheme) No withdrawals allowed during the term Minimum deposit of £50,000
	1 Year Fixed Rate Bond	1.75%	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
	NatWest 2 Year Fixed Rate Bond	1.55%	2 year fixed	Apply Now >
Save between £5,000 and £500,000 Auto reinvestment in a new fixed rate bond when your plan matures on 23rd December 2015 Apply online Covered by the FSCS (Financial Services Compensation Scheme) Over 18s only You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
	RBS 2 Year Fixed Rate Bond	1.55%	2 year fixed	Apply Now >
Save between £5,000 and £500,000 Auto reinvestment in a new fixed rate bond when your plan matures on 23rd December 2015 Apply online Covered by the FSCS (Financial Services Compensation Scheme) Over 18s only You will need to have a RBS current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
	RBS 1 Year Fixed Rate Bond	1.30%	1 year fixed	Apply Now >
Save between £5,000 and £500,000 Auto reinvestment in a new fixed rate bond when your plan matures on 23rd December 2014 Apply online Covered by the FSCS (Financial Services Compensation Scheme) Over 18s only You will need to have an RBS current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
	NatWest 1 Year Fixed Rate Bond	1.30%	1 year fixed	Apply Now >
Save between £5,000 and £500,000 Auto reinvestment in a new fixed rate bond when your plan matures on 23rd December 2014 Apply online Covered by the FSCS (Financial Services Compensation Scheme) Over 18s only You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
	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 Services 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.