Latest Investment Offers

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

ISA Season Selections – Investment ISAs

Isabel Buxton / 17 Feb 2015

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

Fixed Income Investments In Demand

Oliver Roylance-Smith / 03 Feb 2015

Fixed income investments have risen in popularity year on year as more and more investors seek out new ways to generate a predictable and regular income from their capital. This Read More

Experienced Investor Section Proving Popular

Oliver Roylance-Smith / 03 Feb 2015

Here at Fair Investment Company there are a large number of our investors who decide to invest through us again and again and hopefully this has something to do with Read More

Investment Focus – Morgan Stanley FTSE Income Accumulator

Oliver Roylance-Smith / 20 Jan 2015

The need for income is at the forefront of every saver and investor, whether you are working and need to supplement your earnings, or retired and looking to add to Read More

Inflation Falls to Record Low – Good News or Bad?

Oliver Roylance-Smith / 20 Jan 2015

Inflation hits 15 year record low The rate of inflation as measured by the Consumer Price Index fell to 0.5% in the year to December 2014, according to official figures Read More

Latest Savings Commentary

Inflation Falls to Record Low – Good News or Bad?

Oliver Roylance-Smith / 20 Jan 2015

Inflation hits 15 year record low The rate of inflation as measured by the Consumer Price Index fell to 0.5% in the year to December 2014, according to official figures Read More

Time for savers to face the truth

Isabel Buxton / 25 Nov 2014

For those who are not prepared to risk their capital to try and achieve higher returns, the ability to rely on traditional savings products has never been more challenging. Savers Read More

Market Leading Savings Rates From Investec

Oliver Roylance-Smith / 11 Nov 2014

There’s something quite satisfying about knowing that the rate you are receiving was the best rate in the market at the time of taking out the product, and for fixed Read More

Interest rates and inflation latest – Where do we go from here?

Oliver Roylance-Smith / 28 Oct 2014

With the headline rate of inflation at its lowest level for five years, this should translate to happier times for both savers and investors. Unfortunately, whether you are taking a Read More

Monthly income investment selections

Oliver Roylance-Smith / 16 Sep 2014

Whether investing inside or outside of an ISA, the hunt for income remains a top priority for many investors, as evidenced by the number of our existing customers and those Read More

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Mr Gioan, West Midlands

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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

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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 Also available for Cash NISAs & NISA transfers 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
Also available for Cash NISAs & NISA transfers
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	Term	Income Yield	More Info
	FTSE 100 Enhanced Income Plan	Investec Bank plc	6 years	5.28% fixed income per annum	More Info >
5.28% 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 - 27 March 2015 Investment deadline for direct and 2014/15 NISA - 3 April 2015 Investment deadline for direct and 2015/16 NISA - 10 April 2015 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	7.2% fixed income per annum	More Info >
7.2% 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 -11 February 2015 Investment deadline for direct and NISA by cheque - 19 February 2015 Investment deadline for direct and NISA by bank transfer - 25 February 2015 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 Income	More Info
	FTSE Income Accumulator Plan	Morgan Stanley	6 years	6.75% per annum	More Info >
Up to 6.75% per year based on the performance of the FTSE 100 Quarterly payments Available for NISA, NISA transfer and direct investment Investment deadline for NISA transfers - 26 March 2015 Investment deadline for direct and NISA - 2 April 2015 Capital is at risk if the FTSE 100 Index finishes below 4000 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 4 Quarterly Income Plan	Credit Suisse AG	6 years	9.48% per annum	More Info >
Up to 9.48% per year based on four FTSE 100 shares staying above 60% of their opening values Quarterly payments Available for NISA, NISA transfer and direct (non-NISA) investment Investment deadline NISA transfers - 4 March 2015 Investment deadline for direct and NISA by cheque - 12 March 2015 Investment deadline for direct and NISA by bank transfer - 18 March 2015 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 100 Enhanced Income Plan	Investec Bank plc	6 years	5.28% fixed income per annum	More Info >
5.28% 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 - 27 March 2015 Investment deadline for direct and 2014/15 NISA - 3 April 2015 Investment deadline for direct and 2015/16 NISA - 10 April 2015 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	7.2% fixed income per annum	More Info >
7.2% 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 -11 February 2015 Investment deadline for direct and NISA by cheque - 19 February 2015 Investment deadline for direct and NISA by bank transfer - 25 February 2015 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

Instant Access Savings Accounts Deals

Provider	Account	Interest Rate (AER)	Term	Apply
	Instant Access Savings Account	1.25%	Instant access	More Info >
Minimum deposit £500 Interest paid on balances above £500 and below £1,000,000 Manage your account in branch or online Covered by the FSCS (Financial Services Compensation Scheme) Must be aged 18 or over and a UK resident
	Direct Transfer Account	0.75%	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	10.5% per annum	More Info >
10.5% 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 8.25% /7.75% Potential to mature early, from year 2 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 27 March 2015 Investment deadline for direct and 2014/15 NISA - 3 April 2015 Investment deadline for direct and 2015/16 NISA - 10 April 2015 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	9.1% per annum	More Info >
9.1% 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 stocks and shares NISA transfers - 13 March 2015 Investment deadline for cash NISA transfers - 20 March 2015 Investment deadline for direct and NISA - 2 April 2015 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
	UK Defensive Growth Plan	Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc	6 years	60%	More Info >
Return of 5 x FTSE 100 growth above 90% of initial level, capped at 60% Available for NISA, NISA Transfer and Direct Investment Investment deadline for stocks & shares NISA transfers - 13 March 2015 Investment deadline for cash NISA transfers - 20 March 2015 Investment deadline NISA & non-NISA investments - 2 April 2015 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 Defensive Supertracker Plan	Morgan Stanley	6 years	64%	More Info >
Return of 3.2 x FTSE 100 growth above 90% of initial level, capped at 64% Available for NISA, NISA Transfer and Direct Investment Investment deadline for NISA transfers - 26 March 2015 Investment deadline NISA & non-NISA investments - 2 April 2015 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 4 Quarterly Defensive Kick Out Plan	Credit Suisse AG	Up to 6 years	20% after 2 years	More Info >
20% after 2 years, or 20% plus an additional 2.5% for each quarter thereafter provided four FTSE 100 stocks finish equal to or higher than 75% of opening levels Potential to mature early every quarter, from year 2 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 14 January 2015 Investment deadline for direct and NISA by cheque - 22 January 2015 Investment deadline for direct and NISA by bank transfer - 28 January 2015 Capital is at risk if one or more stocks has fallen by more than 50% at maturity from their starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing stock Minimum investment £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE Kick Out Plan	Morgan Stanley	Up to 6 years	9% per annum	More Info >
9% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value Potential to mature early, from year 2 onwards Available for NISA, NISA transfer and direct investment Investment deadline NISA transfers - 25 March 2015 Investment deadline for direct, 201415 and 2015/16 NISA by cheque - 2 April 2015 Investment deadline for 2014/15 NISA by bank transfer - 2 April 2015 Investment deadline for direct and 2015/16 NISA by bank transfer - 8 April 2015 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 Kick Out Growth Plan	Morgan Stanley	Up to 6 years	8.4% per annum	More Info >
8.4% 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 - 26 March 2015 Investment deadline NISA & non-NISA investments - 2 April 2015 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 100 Defensive Kick-Out Plan	Investec Bank plc	Up to 6 years	7.75% per annum	More Info >
7.75% 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 - 27 March 2015 Investment deadline for direct and 2014/15 NISA - 3 April 2015 Investment deadline for direct and 2015/16 NISA - 10 April 2015 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	7.1% per annum	More Info >
7.1% 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 NISA, NISA transfer and direct investment Investment deadline stocks and shares NISA transfers - 13 March 2015 Investment deadline for cash NISA transfers - 20 March 2015 Investment deadline for direct and NISA - 2 April 2015 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 Fixed Rate Bond	2.90%	5 Years	Apply Now >
Save from £25,000 to £1,000,000 Manage your account in branch or online Interest paid monthly, annually or on maturity 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
	4 Year Fixed Rate Bond	2.61%	4 Years	Apply Now >
Earn 2.61% gross/AER fixed for 4 years Save from £1,000 - £250,000 Monthly and annual interest options Online savings account Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals allowed Bond designed to be held for full term
	3 Year Fixed Term Deposit	up to 2.45%	3 years	Apply Now >
Earn 2.35% AER for deposits between £10,000 and £30,000, 2.40% AER for deposits between £30,000 and £50,000, or 2.45% AER for deposits between £50,000 and £200,000. Minimum opening balance of £10,000; maximum balance £200,000. Interest paid monthly, quarterly or at maturity Available as a single or joint account Covered by the FSCS (Financial Services Compensation Scheme) Must be UK resident and aged 18 or older No withdrawals permitted.
	3 Year Fixed Rate Bond	2.20%	3 Years	Apply Now >
Earn 2.20% 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
	2 Year Fixed Term Deposit	up to 2.10%	2 years	Apply Now >
Earn 2.00% AER for deposits between £10,000 and £30,000, 2.05% AER for deposits between £30,000 and £50,000, or 2.10% AER for deposits between £50,000 and £200,000. Minimum opening balance of £10,000; maximum balance £200,000. Interest paid monthly, quarterly or at maturity 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.
	1 Year Fixed Term Deposit	up to 1.70%	1 year	Apply Now >
Earn 1.55% AER for deposits between £10,000 and £30,000, 1.60% AER for deposits between £30,000 and £50,000, or 1.70% AER for deposits between £50,000 and £200,000. Minimum opening balance of £10,000; maximum balance £200,000. Interest paid monthly, quarterly or at maturity 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.
	1 Year Fixed Rate Bond	1.60%	1 Year	Apply Now >
Save from £10,000 to £1,000,000 Manage your account in branch or online Interest paid on maturity 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

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.