Latest Investment Commentary

Investment income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

Investment Focus: Gilliat Income Builder Plus

Oliver Roylance-Smith / 15 May 2012

Of all the investment themes, income is consistently at the forefront of the investor’s mind, whether you are working and need to supplement your earnings, or retired and looking to add to you... Read more

5 x FTSE growth - potential returns of up to 100%

Oliver Roylance-Smith / 10 May 2012

"If you think the FTSE will rise over the medium term then this plan could be just for you. The Best Entry plan from Morgan Stanley offers a return of 5 x any rise in the FTSE 100 Index with a ... Read more

Latest Savings Commentary

Income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

7% potential annual income, capital protected

Oliver Roylance-Smith / 10 May 2012

"The latest Fair Investment Income Deposit Plan offers capital protection plus the potential to earn 7% for each year the FTSE 100 remains between 4,500 and 7,000 points (yesterday’s clos... Read more

The savings dilemma and the rise of alternatives

Oliver Roylance-Smith / 01 May 2012

The economic landscape continues to create a real dilemma for savings and put a spotlight on the fixed rate bond. With yields on these lowering amid continued pressures on getting the most out of yo... Read more

What Our Clients Say About Us

Fair Investment Company

"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 and Investment Specialist

Oliver Roylance-Smith

"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 Investment and Savings

Cash ISA Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years17.25%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 17.25%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Income Deposit PlanRoyal Bank of Scotland plcyes6 Years7.00%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Available for Cash ISA & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Income is not guaranteed
  • Plan designed to be held for full term
  • May close early if oversubscribed
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.
Instant Access Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
3.50%Easy AccessApply Now >
  • 3.50% AER variable tax-free includes a fixed bonus of 2.5% until 31st October 2013
  • Balances under £1,000 earn 0.25% AER tax-free variable
  • Minimum opening balance of £1,000
3.10%Instant AccessApply Now >
  • Introductory fixed rate of 3.10% AER tax-free until 30 September 2013
  • After 31st October 2013 reverts to variable rate
  • Minimum opening balance of £1,000
  • Transfer in from existing cash ISAs
Fixed Rate Cash ISA Selection
ProviderAccountInterest Rate (AER)TermApply
3.70%2 YearsApply Now >
  • 3.70% tax free/AER fixed on balances of £10,000 or more
  • 3.40% tax free/AER fixed on balances of less than £10,000
  • Minimum opening balance of £3,000
  • Additional deposits allowed
3.30%1 YearApply Now >
  • Minimum opening balance of £1,000
  • Manage your account online
  • Withdraw cash early if you need to (subject to loss of interest)
  • Transfer from other cash ISA providers
Income Investment ISAs
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
Income Builder PlusMorgan Stanleyyes5 years8.40%
per annum		More Info >
A 5 year structured investment plan paying a potential maximum quarterly income of 2.10% (equivalent to 8.40% per year). Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Bonus Income PlanInvestec Bank plcyes5 years7.50%
per annum		More Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.
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.
Growth Investment ISAs
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out Plan Investec VersionInvestec Bank plcyesUp to
5 years		13%
per annum		More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Defensive Bonus PlanMorgan StanleyyesUp to 6 years9%
per annum		More Info >
6 year structured investment plan with the potential to mature early, returning the greater of 9% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer
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
ProviderAccountInterest Rate (AER)TermApply
4.20%5 YearsApply Now >
  • Open with £1
  • Withdrawals allowed, subject to a loss of interest charge
3.61%3 YearsApply Now >
  • Earn 3.61% gross/AER fixed for 3 years
  • Save from £1,000 - £250,000
  • No withdrawals
  • Monthly interest option available
  • Individual or joint accounts available
3.60%2 YearsApply Now >
  • Minimum deposit £1
  • Monthly or annual interest
  • Withdrawals allowed but are subject to a loss of interest charge.
3.00%1 YearApply Now >
  • Minimum deposit £1
  • Monthly or annual interest
  • Withdrawals are not allowed.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. Different types of investment carry different levels of risk and may not be suitable for all investors.

Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature.  If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Non Advisory Terms of Business and Disclaimer & Privacy Statement  for further information.

The Financial Services Authority does not regulate taxation and trust advice, debt management, unsecured loans, credit cards, advice on household bills and some aspects of deposits, buy to let mortgages and secured loans. The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.

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