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Experienced Investors

Savings Maximiser

Neil Woodford's New Fund Launch

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. « OPEN NOW » for ISAs, ISA Transfers and non-ISA investment.

For more details click here »

Latest Investment Commentary

Top 5 Investment Plans for your New £15,000 ISA Allowance

Isabel Buxton / 24 Jun 2014

From 1st July ISA rules are changing, one of the most important being that UK savers will be able to put up to £15,000 into an ISA. So with only Read More

Top 10 Income Ideas for 2014

Oliver Roylance-Smith / 27 May 2014

Income needs are a top priority for both savers and investors, evidenced by the increasing number of our existing customers and those new to Fair Investment looking for income solutions. Read More

Investment Focus: Gilliat new launch offering a potential 34.5% annual returns

Oliver Roylance-Smith / 27 May 2014

Depending on which of the two investment options is selected, the latest launch from Gilliat offers investors the potential for either 15.85% or 34.5% per year, along with the ability Read More

Take the Income Challenge

Oliver Roylance-Smith / 14 May 2014

Generating an income is one of the most constant demands placed on our capital, and yet the questions posed by the savings and investment landscape remain as challenging as ever. Read More

Top 10 Reasons To Use Our Fund Supermarket

Oliver Roylance-Smith / 29 Apr 2014

Much has happened recently in the world of investment funds with some major changes taking effect from 6th April in terms of how investors access funds and how they are Read More

Latest Savings Commentary

Savings Maximiser: Instant Access Cash Management

Oliver Roylance-Smith / 22 Jul 2014

Savings Maximiser is now even better with reduced minimums and a fixed monthly cost, regardless of how much you save. Our cash management service is aimed at those with at Read More

Savings Focus – Investec savings accounts offering up to 3.85% AER fixed

Oliver Roylance-Smith / 22 Jul 2014

Investec Bank continues to offer innovative savings plans which combine a competitive interest rate with efficient service and attractive features. So if you have a minimum of £25,000 to deposit, Read More

5 Minute Guide to the New ISA for savers and investors

Isabel Buxton / 24 Jun 2014

What is an ISA? Individual Savings Accounts (ISAs) are a tax-efficient wrapper for your money – they offer a way of saving and investing without paying any tax on the Read More

A Saver’s Guide to Structured Deposits

Oliver Roylance-Smith / 10 Jun 2014

Structured deposits have experienced a rapid rise in popularity on the back of a sustained period of record low interest rates and falling savings rates. Fixed rates are under pressure Read More

ISA Allowance Up, Savings Rates Down

Oliver Roylance-Smith / 29 Apr 2014

Although the increases to the ISA allowance are to be received with open arms, there is no getting away from the fact that ISA savers continue to be hammered by 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	Term	Income Yield	More Info
Investec	FTSE 100 Enhanced Income Plan	Investec Bank plc	6 years	5.4% fixed income per annum	More Info >
5.4% income paid regardless of the performance of the FTSE 100 Monthly income Available for NISA, NISA transfer and direct investment Investment deadline for NISA transfers - 1 August 2014 Investment deadline for direct and NISA - 15 August 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
Meteor	FTSE 5 Monthly Income Plan	Morgan Stanley BV	6 years	7.5% fixed income per annum	More Info >
7.5% fixed income paid regardless of the performance of five FTSE 100 shares Monthly income Available for NISA, NISA transfer and direct investment Investment deadline for NISA transfers - 1 August 2014 Investment deadline for direct and NISA by cheque - 8 August 2014 Investment deadline for direct and NISA by bank transfer - 13 August 2014 Capital is at risk if one or more shares has fallen by more than 50% at the end of the term, 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

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	9.44% per annum	More Info >
Up to 9.44% per year based on four FTSE 100 shares staying above 60% of their opening values Quarterly payments Available for ISA, New ISA (fom 1st July), ISA transfer and direct (non-ISA) investment Investment deadline ISA transfers - 18 July 2014 Investment deadline for direct and ISA by cheque - 25 July 2014 Investment deadline for direct and ISA by bank transfer - 30 July 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
	FTSE Quarterly Income Plan	BNP Paribas	6 years	6.2% per annum	More Info >
Up to 6.2% per year based on the performance of the FTSE 100 Quarterly payments Available for ISA, New ISA from 1st July, ISA transfer and direct (non-ISA) investment Investment deadline ISA transfers - 23 July 2014 Investment deadline for direct and ISA/NISA - 4 August 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
	Savings Maximiser	1.58%*	Instant Access	More Info >
Savings service - *Indicative rate of interest highlighted All money held in your name Monthly interest option Online Access Covered by the FSCS (Financial Services Compensation Scheme) £25k minimum deposit Service fee of £20 per month £5k minimum must be held on deposit with Cater Allen Private Bank
	E-asy Access Account	1.30%	Instant Access	More Info >
Instant Access Monthly Interest Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000
	Online Saver	1.30%	Instant Access	More Info >
Earn 1.30% gross/AER variable. Includes 0.40% gross* AER fixed bonus after 12 months Open with just £1 Unlimited free withdrawals with no notice periods Choose when you receive your interest - monthly on the first business day of each month, or annually in March. Covered by the FSCS (Financial Services Compensation Scheme) Online account only Must be UK resident and aged 18 or over After 12 months the rate will revert to the underlying 0.90% gross/AER variable rate *Gross rates do not take into account deductions of income tax.
	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 100 Enhanced Kick Out Plan	Investec Bank plc	Up to 6 years	10% per annum	More Info >
10% 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 8% or 8.2% each year Potential to mature early, from year 2 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 1 August 2014 Investment deadline for direct and NISA - 15 August 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 Growth Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	6 years	10 x FTSE (60% cap)	More Info >
Return of 10 x FTSE 100 growth, capped at 60% Available for ISA, ISA Transfer and Direct Investment Investment deadline for cash ISA transfers - 11 July 2014 Investment deadline for stocks and shares ISA transfers - 18 July 2014 Investment deadline ISA & non-ISA investments - 1 August 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
	FTSE 4 / FTSE 100 Defensive Kick Out Plan	Credit Suisse AG	Up to 6 years	17% after 18 months	More Info >
17% after 18 months, or 17% plus an additioanl 6% for each six months thereafter provided four FTSE 100 stocks finish equal to or higher than the required kick out level Potential to mature early every six months, from 18 months onwards Kick out level reduces from 100% to 75% over the term Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 1 August 2014 Investment deadline for direct and NISA by cheque - 8 August 2014 Investment deadline for direct and NISA by bank transfer - 13 August 2014 Capital is at risk if one or more stocks has fallen by more than 40% 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
	UK Kick-out Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	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 stocks and shares ISA transfers - 11 July 2014 Investment deadline for cash ISA transfers - 18 July 2014 Investment deadline for direct and ISA - 1 August 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 Growth	Morgan Stanley	Up to 6 years	7.8% per annum	More Info >
7.8% 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 NISA, NISA Transfer and Direct Investment Investment deadline for NISA transfers - 11 August 2014 Investment deadline NISA & non-NISA investments - 18 August 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	62%	More Info >
Return of 3.1 x FTSE 100 growth above 90% of initial level, capped at 62% Available for NISA, NISA Transfer and Direct Investment Investment deadline for NISA transfers - 11 August 2014 Investment deadline NISA & non-NISA investments - 18 August 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
	Fixed Coupon Daily Autocall Plan	BNP Paribas	Up to 6 years	20%	More Info >
20% fixed return provided three of the largest FTSE 100 companies share prices finish equal to or higher than their starting value Potential to mature early each day, from year 1 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 20 August 2014 Investment deadline for direct and NISA by cheque or bank transfer - 1 September 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 Kick Out Plan	BNP Paribas	Up to 6 years	7.75% per annum	More Info >
7.75% 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 NISA, NISA transfer and direct investment Investment deadline NISA transfers - 20 August 2014 Investment deadline for direct and NISA - 1 September 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
	Defensive Enhanced Returns Plan	Investec Bank plc	6 years	45% fixed, or 100% growth in FTSE 100 (no limit)	More Info >
Target return of 45% gross or 100% of any growth in the Index if higher Available for NISA, NISA transfer and direct investment Investment deadline for NISA transfers - 1 August 2014 Investment deadline for direct and NISA - 15 August 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
	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 3 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 1 August 2014 Investment deadline for direct and NISA - 15 August 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 Step Down Autocall Plan	BNP Paribas	Up to 6 years	6.5% per annum	More Info >
6.5% for each year (not compounded) provided the FTSE 100 finishes above 100% of its starting level in year 2, reducing by 5% each year, and down to 80% in the final year Potential to mature early, from year 2 onwards Available for ISA, New ISA (from 1st July), ISA transfer and direct (non-ISA) investment Inestment deadline for ISA transfers - 23 July 2014 Investment deadline ISA & non-ISA investments - 4 August 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
	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	6.2% per annum	More Info >
6.2% 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 - 11 July 2014 Investment deadline for cash ISA transfers - 18 July 2014 Investment deadline for direct and ISA - 1 August 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

Fixed Rate Bond Selection

Provider	Account	Interest Rate (AER)	Term	Apply
	5 Year Step Up Bond	2.85% to 3.85%	5 year	Apply Now >
Earn 2.85% in first 3 years then 3.85% AER for next 2 years Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000 No early withdrawals
	5 Year Fixed Rate Bond	3.25%	5 Years	Apply Now >
Earn 3.25% 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
	5 Year Fixed Rate Bond	3.10%	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	2.91%	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
	4 Year Fixed Rate Bond	2.90%	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
	3 Year Fixed Rate Bond	2.70%	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
	3 Year Fixed Term Deposit	2.65%	3 Year	Apply Now >
Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000 No early withdrawals
	3 Year Base Rate Plus	2.60% minimum	3 Year	Apply Now >
Bank of England Base Rate +1.00% subject to a minimum of 2.60% AER Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000 No early withdrawals
	3 year Fixed Term Deposit	2.50%	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.
	2 Year Fixed Term Deposit	2.30%	2 Year	Apply Now >
Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000 No early withdrawals
	1 Year Fixed Term Deposit	1.95%	1 Year	Apply Now >
Manage your account online or by telephone Covered by the FSCS (Financial Services Compensation Scheme) Minimum opening balance of £25,000 No early withdrawals
	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
	Jordan International Bank 1 Year Fixed Rate Bond	1.65%	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
	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.