Savings Maximiser

Latest Investment Commentary

Investment Focus: Morgan Stanley UK Giants Selector Plan

Oliver Roylance-Smith / 14 May 2013

Investors looking to gain broad exposure to UK equities often turn to investments linked to the performance of the FTSE 100 Index. But with the Index continuing its run at historically high levels, ... Read more

UK avoids triple dip - but inflation still a concern

Oliver Roylance-Smith / 30 April 2013

The latest figures from the Office for National Statistics mean that the UK has avoided falling into a triple dip recession. But what does this really mean for the economy going forward and what par... Read more

New ISA allowance available now

Oliver Roylance-Smith / 16 April 2013

For both savers and investors, the start of the new tax year brings with it a new and increased ISA allowance which is available to use now, even if you invested last year’s allowance right at... Read more

Latest Savings News

Compare Top Cash ISAs

James Caldwell / 15 May 2013

With the Bank of England base rate stuck at an historic low of 0.5%, and the Government's Funding for Lending scheme lessening the banks’ reliance on savers, top cash ISA rates are harder to c... Read more

What are structured deposits and why are they proving so popular

Oliver Roylance-Smith / 14 May 2013

With the current market for fixed rate savers at one of its lowest points, and the future outlook not much better, making sure that we understand all of the options available to us is more important... Read more

ISA season hotshots still going strong

Oliver Roylance-Smith / 30 April 2013

The 2012/13 tax year may be over, but many of the most popular plans from the ISA season are still available – and with the new tax year underway, now could be a great time to get ahead and ma... 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 & Investment Specialist

Oliver Roylance-Smith, Head of Investment and Savings

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
Income Investment Plans selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.76%
fixed income per annum		More Info >
  • 5.76% 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 - 10 May 2013
  • Investment deadline for direct and ISA - 4 June 2013
  • 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
  • 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.
Instant Access Savings Accounts Deals
ProviderAccountInterest Rate (AER)TermApply
1.70%*Instant AccessApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
1%Easy AccessApply Now >
  • No bonus account
  • Transfers accepted
  • Minimum deposit £1000
  • Access – online, telephone and post
  • Variable interest rate

 
Fixed Rate Cash ISA Selection
ProviderAccountInterest Rate (AER)TermApply
2.25%3 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
1.85%2 YearsApply Now >
  • Earn 1.85% AER tax free.
  • Minimum deposit £1,000
  • Interest will be paid at the rate of 1.50% AER/Gross (fixed) p.a. until the Fixed Rate ISA start date - 29th July 2013
  • Partial withdrawals are not permitted during the fixed term
  • Early closure will result in an interest charge
Cash Deposit Selection
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Deposit Growth PlanInvestec Bank plcyes5 years130% x any FTSE 100 growth (no limit)More Info >
  • Return of 130% x any FTSE 100 growth, no upper limit
  • Capital protected
  • Low minimum - £3,000 
  • Short/medium term alternative to fixed rates 
  • Also available for Cash ISA & Cash ISA transfers
  • 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 
6 Year Annual Bonus Deposit PlanCater Allen Private Bankyes6 years4%
per annum		More Info >
  • 4% income if the FTSE 100 finishes at least as high as its starting value
  • Capital protected
  • Low minimum - £500
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISAs & Cash ISA transfers
  • Limited offer - deadlines apply
  • May close early if oversubscribed
  • Plan designed to be held for full term
  • Returns not guaranteed. You may only receive a return of your original capital
6 Year Growth Deposit BondCater Allen Private Bankyes6 years125% x any FTSE 100 growth (35% Cap)More Info >
  • Return of 125% x any FTSE 100 growth, capped at 35%
  • Capital protected
  • Low minimum - £500
  • Medium/long term alternative to fixed rates
  • Also available for Cash ISA & Cash ISA transfers
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Returns capped at 35%
  • 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.
Growth Investment Plan Selection
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
5 years		8.5%
per annum		More Info >
  • 8.5% 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
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 10 May 2013
  • Investment deadline for direct and ISA - 4 June 2013
  • 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
  • Product designed to be held for the full term
FTSE 100 Defined Returns Plan Investec VersionInvestec Bank plcyesUp to
5 years		67.5%More Info >
  • Fixed return of either 40.5% at the end of year 3 or 67.5% at the end of year 5 provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early at the end of year 3
  • Available for ISA, ISA Transfer and Direct Investment
  • Investment deadline ISA transfers - 10 May 2013
  • Investment deadline for direct and ISA - 4 June 2013
  • 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 Giants Selector PlanMorgan Stanleyyes6 yearsUnlimitedMore Info >
  • Growth linked to the performance of the best-performing 11 shares from the 20 largest FTSE 100 companies
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 24 May 2013
  • Investment deadline for direct and ISA - 3 June 2013
  • 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
  • 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
ProviderAccountInterest Rate (AER)TermApply
2.95%*5 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.56%5 YearsApply Now >
  • Earn 2.56% gross/AER fixed for 5 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account 
  • No withdrawals allowed
  • Bond designed to be held for full term
  • Must be UK resident and over 18
2.51%3 YearsApply Now >
  • Earn 2.51% gross/AER fixed for 3 years
  • Save from £1,000 - £250,000
  • Monthly and annual interest options
  • Online savings account
  • No withdrawals allowed
  • Bond designed to be held for full term
  • Must be UK resident and over 18
2.51%*3 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.33%*2 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.26%2 YearsApply Now >
  • Earn 2.26% gross/AER fixed for 2 years
  • Save from £1,000 - £250,000
  • No withdrawals
  • Individual or joint accounts available
2.00%*1 YearApply Now >
  • Savings service - *Indicative rate of interest highlighted
  • All money held in your name
  • Online Access
  • £100k minimum deposit
  • Service fee of 0.20% pa
  • £5k minimum must be held on deposit with Cater Allen Private Bank
2.00%3 yearsApply Now >
  • Earn 2% gross/AER fixed for 3 years
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000
1.99%18 MonthsApply Now >
  • Open to new and existing customers
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
1.80%9 MonthsApply Now >
  • Open to new and existing customers
  • No withdrawals or additional deposits allowed
  • £5,000 minimum deposit
1.80%2 yearsApply Now >
  • Earn 1.80% gross/AER fixed for 2 years
  • Deposits are 100% guaranteed by Santander UK plc
  • Interest can be paid gross - subject to eligibility
  • No withdrawals allowed during the term
  • Minimum deposit of £50,000

 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.

Savings and Investment