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Latest Investment Commentary

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

Top 5 growth 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

Income investments – up to 9% income

Oliver Roylance-Smith / 19 Feb 2014

Our Top 3 income selections Our selection of income investments is based on the main features investors are looking for when it comes to finding the best income opportunities available, Read More

ISA season selections – Investment ISAs

Oliver Roylance-Smith / 18 Feb 2014

With ISA season well and truly under way, this is an important time to consider how best to make use of this valuable tax break and remember, if you do Read More

Investment Focus: Start Point FTSE Kick Out Supertracker

Oliver Roylance-Smith / 21 Jan 2014

With the FTSE 100 at its current levels, investors considering their options are often split down the middle – on the one side are those who feel confident that the Read More

Latest Savings Commentary

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

Best Charity Savings Accounts for March 2013

Isabel Buxton / 03 Mar 2014

Fair Investment Company is committed to helping charities get the best interest rates on their savings. See below for our selection of some of the best charity saving accounts available Read More

Best Business Savings Accounts for March 2014

Isabel Buxton / 03 Mar 2014

If you currently hold most of a your business cash in a current account, it’s worth noting that cash that is not currently required as capital for the day-to-day running Read More

ISA season selections – Cash ISAs

Oliver Roylance-Smith / 18 Feb 2014

ISA season is an important time of year as we start to consider all of the options available in order to make the best use of this valuable tax break. Read More

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"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."
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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	6% fixed income per annum	More Info >
6% 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 - 28 March2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 11 April 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

6%
fixed income per annum

More Info >

6% 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 - 28 March2014
Investment deadline for 2013/14 ISA - 4 April 2014
Investment deadline for direct and 2014/15 ISA - 11 April 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 A.G.	6 years	9% per annum	More Info >
Up to 9% 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 - 28 February 2014 Investment deadline for direct and ISA (cheque) - 7 March 2014 Investment deadline for direct and ISA (Electronic transfer) - 12 March 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 performaing 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	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 ISA transfers - 4 April 2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 14 April 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
	UK Target Income Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	6 years	6.04% per annum	More Info >
Up to 6.04% 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 - 7 March 2014 Investment deadline cash ISA transfers - 14 March 2014 Investment deadline for direct and ISA - 28 March 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
	Four Stock Step Down Kick Out	Credit Suisse A.G.	6 years	12.2% per annum	More Info >
6.1% for each semi-annual period (not compounded) provided four FTSE 100 stocks finish equal to or higher than the required kick out level Potential to mature early every six months, from year 1 onwards Kick out level reduces from 95% to 70% over the term Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 7 March 2014 Investment deadline for direct and ISA (cheque) - 27 March 2014 Investment deadline for direct and ISA (Electronic transfer) - 28 March 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 £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE 3 FTSE 100 Autocall Plan	BNP Paribas	Up to 6 years	10.4% per annum	More Info >
2.6% 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 - 5 March 2014 Investment deadline for direct and ISA (cheque) - 17 March 2014 Investment deadline for direct and ISA (Electronic transfer) - 17 March 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	9.5% per annum	More Info >
9.5% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging) Alternative collaterised option returning a potential 8% each year Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 28 March 2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 11 April 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	9.25% 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 - 7 March 2014 Investment deadline for cash ISA transfers - 14 March 2014 Investment deadline for direct and ISA - 28 March 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 3 onwards Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 14 March 2014 Investment deadline ISA & non-ISA investments - 21 March 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 Kick Out Supertracker Plan	BNP Paribas	Up to 6 years	75%	More Info >
Potential to mature early after year 3 provided the FTSE 100 finishes equal to or higher than its starting value Early maturity returns: Greater of either 100% of FTSE 100 growth or 21% If early maturity not acheived plan runs for full 6 years Final returns: 3 x FTSE 100 growth, capped at a maximum of 75% Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 20 March 2014 Investment deadline for direct and ISA (cheque) - 31 March 2014 Investment deadline for direct and ISA (Electronic transfer) - 31 March 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 Defensive Supertracker Plan	Morgan Stanley	6 years	72%	More Info >
Return of 2.4 x FTSE 100 growth above 90% of initial level Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 14 March 2014 Investment deadline ISA & non-ISA investments - 21 March 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 - 2 April 2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 14 April 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% 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 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 28 March 2014 Investment deadline for 2013/14 ISA - 4 April 2014 Investment deadline for direct and 2014/15 ISA - 11 April 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	6.5% 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 - 7 March 2014 Investment deadline for cash ISA transfers - 14 March 2014 Investment deadline for direct and ISA - 28 March 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	6.5% 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 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 - 5 March 2014 Investment deadline ISA & non-ISA investments (cheque) - 17 March 2014 Investment deadline ISA & non-ISA investments (electronic transfers) - 17 March 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	3.16%	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
	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	2.91%	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	2.65%	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	2.60%*	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	2.16%	3 Years	Apply Now >
Earn 2.16% 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
	3 year Fixed Term Deposit	2.35%	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.
	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	2.20%	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
	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
	Savings Maximiser 2 Year Fixed Rate Bond	2.20%*	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	1.90%	3 years	Apply Now >
Earn 1.90% 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
	Savings Maximiser 1 Year Fixed Rate Bond	1.83%*	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 Account	1.75%	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
	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
	NatWest 2 Year Fixed Rate Bond (Existing NatWest account holders only)	1.40%	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 24th March 2016 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 (Existing RBS account holders only)	1.40%	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 24th March 2016 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
	2 Year Fixed Term Deposit	1.50%	2 years	Apply Now >
Earn 1.50% 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
	RBS 1 Year Fixed Rate Bond (Existing RBS account holders only)	1.20%	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 24th March 2015 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 (Existing NatWest account holders only)	1.20%	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 24th March 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
	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.