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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

Investment Focus: investment returns even if the FTSE falls 50%

Oliver Roylance-Smith / 13 Sep 2016

Last update: 27/09/2016 A defensive plan is simply a plan that is designed to provide an investment return even if the stock market fails to rise, or in some circumstances Read More

Top 10 reasons to consider kick out investment plans

Oliver Roylance-Smith / 28 Aug 2016

As at the end of last week, the range for the closing levels of the FTSE 100 Index over the previous 52 weeks was between 5537.0 and 6941.2, a difference Read More

Summer sizzlers: our selection of the hottest deals on offer this summer

Oliver Roylance-Smith / 16 Aug 2016

Last updated: 12/09/2016 As the Olympic Games continue to keep us gripped with excitement, it’s not just the GB Team that’s sizzling this summer. The news that the Bank of Read More

Investment Focus: Investec Enhanced Kick Out Plan

Oliver Roylance-Smith / 21 Jun 2016

Last updated: 16/08/2016 A kick out investment is a fixed term investment plan that has the ability to mature early or ‘kick out’ each year, providing a fixed growth return Read More

Fixed rate head to head: Cash versus Investments

Oliver Roylance-Smith / 24 May 2016

The appeal of a fixed return from our capital is obvious, which is why the fixed rate bond has been such a popular choice over the years with both savers Read More

Latest Savings Commentary

Savings Focus: Investec Retirement Deposit Plan offering 3.75% each year

Oliver Roylance-Smith / 27 Sep 2016

There’s no denying that the outlook for traditional Cash ISAs at the moment is bleak. Not only are savings rates at rock bottom, but banks don’t really want the additional Read More

Summer sizzlers: our selection of the hottest deals on offer this summer

Oliver Roylance-Smith / 16 Aug 2016

Last updated: 12/09/2016 As the Olympic Games continue to keep us gripped with excitement, it’s not just the GB Team that’s sizzling this summer. The news that the Bank of Read More

Current account focus: our Top 3 high interest current accounts

Oliver Roylance-Smith / 19 Jul 2016

Last updated: 27/09/2016 Although we use our current account more than any other, it is often the one that we review the least in terms of comparing it with the Read More

Fixed rate head to head: Cash versus Investments

Oliver Roylance-Smith / 24 May 2016

The appeal of a fixed return from our capital is obvious, which is why the fixed rate bond has been such a popular choice over the years with both savers Read More

Our 10 best last minute ISA ideas

Oliver Roylance-Smith / 29 Mar 2016

With just one week to go until the deadline for using your 2015/16 ISA allowance of £15,240, this really is your last opportunity to make use of this valuable tax Read More

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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	3% per annum	More Info >
3% 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 Available for Cash ISAs, ISA transfers and non-ISA 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

3%
per annum

More Info >

3% 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
Available for Cash ISAs, ISA transfers and non-ISA
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	ISA Option	Term	Annual Income	More Info
	FTSE 100 Enhanced Income Plan	Investec Bank plc		6 years	5.04% fixed income	More Info >
5.04% income paid regardless of the performance of the FTSE 100 Monthly income Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 21 October 2016 Investment deadline for direct and ISA applications - 4 November 2016 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 Enhanced Income Plan

Investec Bank plc

6 years

5.04%
fixed income

More Info >

5.04% income paid regardless of the performance of the FTSE 100
Monthly income
Available for ISA, ISA transfer and direct investment
Investment deadline for ISA transfer applications - 21 October 2016
Investment deadline for direct and ISA applications - 4 November 2016

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. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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 Dual Option Contingent Income Plan	Natixis	Up to 6 years	7.00% per annum	More Info >
Up to 7% per year based on the performance of the FTSE 100 Index Income paid even if Index falls by 20% Quarterly payments Plan can mature early each quarter from year 2 onwards Alternative option available returning a potential 5% per year if FTSE falls by 40% Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 28 September 2016 Investment deadline for direct and ISA applications by cheque - 6 October 2016 Investment deadline for direct and ISA applications by bank transfer - 12 October 2016 Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level 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 £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE 100 Defined Income Plan	Investec Bank plc	6 years	6.00% per annum	More Info >
Up to 6% per year based on the performance of the FTSE 100 Index Income paid even if Index falls by up to 25% Missed payments added to future payment next time quartery Index level above 75% Quarterly payments Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 21 October 2016 Investment deadline for direct and ISA applications - 4 November 2016 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 Contingent Income Plan	Credit Suisse AG	Up to 6 years	6.00% per annum	More Info >
Up to 6% per year based on the performance of the FTSE 100 Index Income paid even if Index falls by up to 25% Quarterly payments Plan can mature early each quarter from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 18 October 2016 Investment deadline for direct and ISA applications by cheque - 26 October 2016 Investment deadline for direct and 2016/17 ISA applications by bank transfer - 1 November 2016 Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level 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 £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 investment. 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

Provider	Account	Interest Rate (AER)	Term	Apply
RCI Bank »	Freedom Savings Account	1.00%	Instant Access	More Info >
Earn 1.00% AER Gross. No penalties, fees or notice periods Free unlimited payments and withdrawals Deposit from £100 Interest paid monthly or annually 7 day support Covered by the French Depositor Compensation Scheme Apply in minutes Must be UK resident and aged 18 or older
Aldermore Bank »	Easy Access Account	1.00%	Easy Access	More Info >
1.00% AER on balances up to £1 million Reassurance – the variable interest rate is guaranteed to be at least 0.50% above Base Rate until 31 December 2017 Save from £1000 - £1million Monthly interest Access - Online, post, and phone Unlimited withdrawals Must be UK resident and aged 18 or over New customers only
Nationwide »	FlexDirect Current Account	5.00%	Current Account Instant Access	More Info >
TSB Bank »	TSB Classic Plus Account	5.00%	Current Account Instant Access	More Info >
Santander »	Santander 123 Current Account	1.50%	Current Account Instant Access	More Info >
AA Easy Access ISA »	Easy Access Cash ISA	1.05%	Easy Access	More Info >
Earn 1.05% tax free/AER variable Save from just £100 Interest calculated daily and paid in March Online access only Partial ISA transfers out not available - transfers out in full only
Clydesdale Bank »	B Current and Savings Account	1.00%	Current Account Instant Access	More Info >
United Bank Limited	Online Easy Access	0.90%	Easy Access	More Info >
Earn 0.90% gross/AER Easy access account Interest paid annually Covered by the FSCS (Financial Services Compensation Scheme) Must be a UK resident and aged 18 or older £500 minimum deposit Penalty for early withdrawal
Scottish Widows »	Direct Transfer Account 2	0.35%	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

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 collateralised options also available returning a potential 8.75% / 7.75% Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfer applications - 21 October 2016 Investment deadline for direct and ISA applications - 4 November 2016 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 Growth Plan	Investec Bank plc	6 years	34.0% after 6 years	More Info >
34% after 6 years provided the FTSE 100 finishes above 50% of its starting value Available for ISA, and ISA transfer Investment deadline ISA transfer applications - 21 October 2016 Investment deadline for ISA applications - 4 November 2016 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 Only available for new ISA investments or ISA transfers, not direct investments An arrangement fee applies to this plan Product designed to be held for the full term
	FTSE 100 Step Down Kick-Out Plan	Investec Bank plc	Up to 6 years	8.25% per annum	More Info >
8.25% for each year (not compounded) provided the FTSE 100 finishes above kick out level Kick out level reduces from 100% to to 80% over the term Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfer applications - 21 October 2016 Investment deadline for direct and ISA applications - 4 November 2016 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	8.0% per annum	More Info >
8% 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 ISA, ISA transfer and direct investment Investment deadline ISA transfer applications - 21 October 2016 Investment deadline for direct and ISA applications - 4 November 2016 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 Defensive Kick Out Plan	Credit Suisse AG	Up to 6 years	7.15% per annum	More Info >
Potential early maturity return of 7.15% x the number of years the plan has been active Maximum 6 year structured investment plan Potential for early maturity from year 2 Kick out level required reduces by 20% over term of plan Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 18 October 2016 Investment deadline for direct & ISA applications by cheque - 26 October 2016 Investment deadline for direct & ISA applications by bank transfer - 1 November 2016 Capital at risk Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Credit Suisse AG to pay at maturity Arrangement fee applies If you decide to sell the plan early, you may get back less than your original investment May close early if oversubscribed
	FTSE Step Down Kick Out Plan	Natixis	Up to 6 years	7.0% per annum	More Info >
Potential early maturity return of 7% x the number of years the plan has been active Maximum 6 year structured investment plan Potential for early maturity from year 2 Kick out level required reduces by 20% over term of plan Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfer applications - 28 September 2016 Investment deadline for direct and ISA applications by cheque - 6 October 2016 Investment deadline for direct and ISA applications by bank transfer - 12 October 2016 Capital at risk Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Natixis to pay at maturity Arrangement fee applies If you decide to sell the plan early, you may get back less than your original investment May close early if oversubscribed

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

Provider	Account	Interest Rate	Term	Apply
	5 Year Fixed Rate Bond	2.01% per annum	£1,000	More Info >
Earn 2.01% 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
Vanquis Bank »	4 Year Fixed Rate Bond	1.85% per annum	£1,000	More Info >
Earn 1.85 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
Axis Bank »	3 Year Fixed Rate	1.25% per annum	£1,000	More Info >
Earn 1.25% AER for deposits between £1,000 and £200,000. Minimum opening balance of £1,000; 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.
Axis Bank »	2 Year Fixed Rate	1.20% per annum	£1,000	More Info >
Earn 1.20% AER for deposits between £1,000 and £200,000. Minimum opening balance of £1,000; 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.
Axis Bank »	1 Year Fixed Rate	1.15% per annum	£1,000	More Info >
Earn 1.15% AER for deposits between £1,000 and £200,000. Minimum opening balance of £1,000; 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.
Habib Bank Zurich plc »	12 Month Fixed Rate Deposit	1.10% per annum	£1,000	More Info >
Minimum opening balance of £1,000, up to a maximum balance of £1,000,000 Interest paid on 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.
Habib Bank Zurich plc »	6 Month Fixed Rate Deposit	0.80% per annum	£1,000	More Info >
Minimum opening balance of £1,000, up to a maximum balance of £1,000,000 Interest paid on 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.

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.