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Experienced Investors

Savings Maximiser

Neil Woodford's Income Fund

The first fund launch from Woodford Investment Management is the CF Woodford Income Fund. The fund has an anticipated yield of 4% and pays investors quarterly. Available now for New ISAs, ISA Transfers and non-ISA investment. Click here for more info »

Latest Investment Commentary

Latest inflation, wage growth, interest rates and what this means for your savings

Oliver Roylance-Smith / 12 Sep 2017

The latest figures indicate that inflation bounced right back up to 2.9% in the month of August. This means that the headline rate of inflation continues at a level well Read More

Investment Focus: Investec Enhanced Kick Out Plan

Oliver Roylance-Smith / 29 Aug 2017

A kick out investment plan is a fixed term investment plan that has the ability to kick out or mature early each year, providing a fixed growth return along with Read More

Summer sizzlers: our hottest savings and investment ideas this summer

Oliver Roylance-Smith / 14 Aug 2017

Last updated: 29/08/20176 Whilst our sprinters surged forward to a compelling and action packed final weekend at the World Championships, the Bank of England on the other hand refused to Read More

FTSE income plans compared: offering up to 8% income

Oliver Roylance-Smith / 01 Aug 2017

Despite the latest fall to the headline rate of inflation, the rate is still well over the bank of England’s 2% target, and there is no guarantee that it will Read More

Fixed rate Head to Head: National Savings and Investments Growth Bond versus Investec Income Plan

Oliver Roylance-Smith / 25 Apr 2017

On 11th April, National Savings and Investments (NS&I) launched the Investment Guaranteed Growth Bond (the NS&I Bond), as announced by the Chancellor in the last Budget. Offering a market leading Read More

Latest Savings Commentary

Latest inflation, wage growth, interest rates and what this means for your savings

Oliver Roylance-Smith / 12 Sep 2017

The latest figures indicate that inflation bounced right back up to 2.9% in the month of August. This means that the headline rate of inflation continues at a level well Read More

Inflation falls but what does this really mean for savers?

Oliver Roylance-Smith / 18 Jul 2017

Figures launched today reveal that UK inflation fell to 2.6% from its five year high of 2.9% the previous month. However, despite this fall, there is gathering consensus that it Read More

Savings Focus: Ulster Bank launches market leading instant access

Oliver Roylance-Smith / 04 Jul 2017

Ulster Bank’s latest release of their eSavings instant access account has made a firm statement to the savings market in the UK – to be market leading. Whilst RCI Bank Read More

Current accounts that give you more: cashback, interest and other benefits

Oliver Roylance-Smith / 20 Jun 2017

Despite us using our current account more than any other type of account, it is usually the one we review the least in terms of comparing it with the latest Read More

Fixed rate Head to Head: National Savings and Investments Growth Bond versus Investec Income Plan

Oliver Roylance-Smith / 25 Apr 2017

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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

Savings Deals of the Month

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Kick Out Deposit Plan	Investec Bank plc		Up to 6 years	4% per annum	More Info >
4% for each year if the FTSE 100 finishes higher than its starting value Opportunity to mature early at year 3, 4 or 5 Capital protected Short/medium term alternative to fixed rates Available for Cash ISAs, ISA transfers and non-ISA Covered by the FSCS (Financial Services Compensation Scheme) Limited offer - deadlines apply. May close early if oversubscribed Plan designed to be held for full term Arrangement fee applies Returns not guaranteed. You may only receive a return of your original capital

Kick Out Deposit Plan

Investec Bank plc

Up to
6 years

4%
per annum

More Info >

4% for each year if the FTSE 100 finishes higher than its starting value
Opportunity to mature early at year 3, 4 or 5
Capital protected
Short/medium term alternative to fixed rates
Available for Cash ISAs, ISA transfers and non-ISA
Covered by the FSCS (Financial Services Compensation Scheme)

Limited offer - deadlines apply. May close early if oversubscribed
Plan designed to be held for full term
Arrangement fee applies
Returns not guaranteed. You may only receive a return of your original capital

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

Investing for Fixed Income

Provider	Plan Name	Counterparty	ISA Option	Term	Annual Income	More Info
	FTSE 100 Enhanced Income Plan	Investec Bank plc		5 years	4.35% fixed income	More Info >
4.35% income pa paid regardless of the performance of the FTSE 100 Monthly income Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Enhanced Income Plan

Investec Bank plc

5 years

4.35%
fixed income

More Info >

4.35% income pa paid regardless of the performance of the FTSE 100
Monthly income
Available for ISA, ISA transfer and direct investment
Investment deadline for ISA transfer applications - 1 September 2017
Investment deadline for direct and ISA applications - 22 September 2017

Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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 Income	More Info
	FTSE 100 Defensive Income Plan	Investec Bank Plc	8 years	8.00% per annum	More Info >
8.00% per year based on the performance of the FTSE 100 Index Income paid even if Index falls by 20% Alternative option paying up to 6.00% income if Index falls by up to 40% Plan can mature early each year from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Monthly Contingent Income Plan	Natixis	Up to 10 years	7.5% per annum	More Info >
Up to 7.5% per year based on the performance of the FTSE 100 Index Income paid even if Index falls by 15% Monthly payments Plan can mature early each quarter from eighteen months onwards Alternative options available returning a potential 6% per year if FTSE falls by up to 25% and a potential 5.31% if the FTSE falls by up to 35% Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 20 September 2017 Investment deadline for direct and ISA applications by cheque - 28 September 2017 Investment deadline for direct and ISA applications by bank transfer - 4 October 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level 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 £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE Daily Accrual Income Kick Out Plan	Natixis	Maximum 10 years	6.60% per annum	More Info >
6.60% per year based on the performance of the FTSE 100 Income accrued daily Income paid even if FTSE 100 falls by up to 25% Quarterly payments Plan has the potential to kick out early every quarter from the end of year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 26 July 2017 Investment deadline for direct and ISA applications by cheque - 9 August2017 Investment deadline for direct and ISA applications by bank transfer - 16 August 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's start level, 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

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 investment. 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.

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Ulster Bank eSavings	1.25%	Instant access	More Info >
A simple instant access savings account 1.25% AER/Gross p.a. (variable) Start saving online from £1 Manage your account online, by telephone banking or via our mobile app UK Based bank with FSCS protection on deposits up to £85,000 You'll need to be 18 or over and a UK resident Daily withdrawal limits apply
RCI Bank »	Freedom Savings Account	1.20%	Instant Access	More Info >
Earn 1.20% AER Gross. No penalties, fees or notice periods Free unlimited payments and withdrawals Deposit from £100 Interest paid monthly or annually 7 day support Covered by the French Depositor Compensation Scheme Apply in minutes Must be UK resident and aged 18 or older
Ford Money »	Flexible Saver	1.12%	£1	More Info >
Earn 1.12% AER (variable) Minimum opening balance of £1 Interest paid monthly or annually Open an account singly or jointly Unlimited deposits and withdrawals Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older
Aldermore Bank »	Easy Access Account	0.75%	Easy Access	More Info >
0.75% AER on balances up to £1 million Reassurance – the variable interest rate is guaranteed to be at least 0.50% above Base Rate until 31 December 2017 Save from £1000 - £1million Monthly interest Manage your account online Unlimited withdrawals Must be UK resident and aged 18 or over New customers only
Clydesdale Bank »	B Current and Savings Account	0.50%	Current Account Instant Access	More Info >
	NatWest Cash ISA	Up to 0.50%	Instant Access	More Info >
Earn 0.50% AER (variable) on balances above £100,000, 0.25% AER (variable) on balances between £50,000 and £99,999, 0.05% AER (variable) on balances between £25,000 and £49,999, and 0.01% (variable) AER on balanced between £1 and £24,999 Open from £1 Transfers allowed in – bring all your cash ISAs together in one place Instant access – manage your account by phone, in-branch and online Must be 16 or over Must be a UK resident
	RBS Instant Saver	up to 0.05%	Instant access	More Info >
Balances from £1 to £49,999 receive a rate of 0.0.1% AER (variable) rising to 0.05% AER. (variable) for balances of £50,000 and over Interest paid monthly No penalties and no withdrawal charges Manage your account online, in branch or by phone Over 16s only
NatWest »	Natwest Instant Saver	0.01%	Instant access	More Info >
0.01% AER on balances from £1 Interest paid monthly No penalties and no withdrawal charges Manage your account online, in branch or by phone Over 16s only

Gross is the interest you will receive before tax is deducted.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

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	9.65% per annum	More Info >
9.65% 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 Alternative collateralised option also available returning a potential 7% from year 2 Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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
	10:10 Plan	Natixis	10 years	8.5% per annum	More Info >
8.5% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value Alternative option 1 available returning a potential 7.% pa if FTSE finishes up to 82.5% of its starting value over term of plan Alternative option 3 available returning a potential 11.25% pa if FTSE finishes at or above 110% of its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 13 September 2017 Investment deadline for direct and ISA by cheque - 27 September 2017 Investment deadline for direct and ISA by bank transfer - 4 October 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 30% 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 100 Step Down Kick-Out Plan	Investec Bank plc	Up to 6 years	7% per annum	More Info >
7% for each year (not compounded) provided the FTSE 100 finishes above kick out level Kick out level reduces from 100% to to 80% over the term Potential to mature early, from year 2 onwards Alternative collateralised option available paying 5.75% with additional protection from 5 UK financial institutions Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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% per annum	More Info >
7% 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 for ISA transfer applications - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 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 Kick Out Plan	Credit Suisse AG	Up to 6 years	6.30% per annum	More Info >
Potential early maturity return of 6.3% x the number of years the plan has been active Maximum 6 year structured investment plan Potential for early maturity from year 2 Kick out level required reduces by 15% over term of plan Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 6 September 2017 Investment deadline for direct & ISA applications by cheque: 14 September 2017 Investment deadline for direct & ISA applications by bank transfer - 20 September 2017 Capital at risk Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Credit Suisse AG to pay at maturity Arrangement fee applies If you decide to sell the plan early, you may get back less than your original investment May close early if oversubscribed
	FTSE Step Down Kick Out Plan	Natixis	Up to 6 years	6.50% per annum	More Info >
Potential early maturity return of 6.5% x the number of years the plan has been active Maximum 6 year structured investment plan Potential for early maturity from year 2 Kick out level required reduces by 20% over term of plan Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 24 May 2017 Investment deadline for direct and ISA applications by cheque - 2 June 2017 Investment deadline for direct and ISA applications by bank transfer - 8 June 2017 Capital at risk Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Natixis to pay at maturity Arrangement fee applies If you decide to sell the plan early, you may get back less than your original investment May close early if oversubscribed
	FTSE 100 Defensive Step Down Kick-Out Plan	Investec Bank plc	Up to 6 years	6.25% per annum	More Info >
6.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level Kick out level reduces from 100% to to 65% over the term Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 1 September 2017 Investment deadline for direct and ISA applications - 22 September 2017 Capital is at risk if the FTSE 100 Index falls by more than 40% at maturity, 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.

Fixed Rate Bond Selection

Provider	Account	Interest Rate	Term	Apply
Vanquis Bank »	5 Year Fixed Rate Bond	2.35% per annum	£1,000	More Info >
Earn 2.35% 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
Vanquis Bank »	4 Year Fixed Rate Bond	2.10% per annum	£1,000	More Info >
Earn 2.10% 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
The Access Bank UK »	3 Year Fixed Rate	2.20% per annum	£5,000	More Info >
Earn 2.20% AER/gross fixed for 3 years. Minimum opening balance of £5,000; maximum balance £500,000. Interest paid on maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No additional deposits or withdrawals permitted.
Wyelands Bank »	2 Year Fixed Rate Bond	2.00% per annum	£5,000	More Info >
Earn 2.00% gross/AER fixed for 2 years Save from £5,000 No withdrawals
Masthaven Bank »	30 Month Flexible Term Saver	1.85% per annum	£500	More Info >
Earn 1.85% AER for deposits between £500 and £250,000. Minimum opening balance of £500; maximum balance £250,000. Interest paid monthly or at maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
Masthaven Bank »	18 Month Flexible Term Saver	1.70% per annum	£500	More Info >
Earn 1.70% AER for deposits between £500 and £250,000. Minimum opening balance of £500; maximum balance £250,000. Interest paid monthly or at maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
Masthaven Bank »	15 Month Flexible Term Saver	1.65% per annum	£500	More Info >
Earn 1.65% AER for deposits between £500 and £250,000. Minimum opening balance of £500; maximum balance £250,000. Interest paid monthly or at maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
Wyelands Bank »	1 Year Fixed Rate Bond	1.83% per annum	£5,000	More Info >
Earn 1.83% gross/AER fixed for 1 year Save from £5,000 No withdrawals
Masthaven Bank »	9 Month Flexible Term Saver	1.30% per annum	£500	More Info >
Earn 1.30% AER for deposits between £500 and £250,000. Minimum opening balance of £500; maximum balance £250,000. Interest paid monthly or at maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
Masthaven Bank »	6 Month Flexible Term Saver	1.00% per annum	£500	More Info >
Earn 1.00% AER for deposits between £500 and £250,000. Minimum opening balance of £500; maximum balance £250,000. Interest paid monthly or at maturity Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.

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.