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

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2012 ISAs

Compare our best ISA deals for 2012 Oliver Roylance-Smith

"The limit for 2012/2013 investment ISAs is £11,280. The cash ISA limit is £5,640. Don't wait until the last minute to start taking advantage of this tax break - you could miss out on valuable savings.

See below for our hand-picked selection of the latest ISA deals. You can also transfer previous years' ISAs to make them work harder for you."

Oliver Roylance-Smith , head of savings and investments

Cash ISA Selection

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	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 Plan	Royal Bank of Scotland plc	6 Years	7.00% 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
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% per annum	More Info >
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 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
	FTSE 100 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth 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
	Growth Deposit Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) 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
	Annual Locked-In Return Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.5% potential annual return Available for Cash ISAs & Cash ISA transfers Also available to businesses, charities and trusts 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.

Investment ISAs - Income

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	Income Builder Plus	Morgan Stanley	5 years	8.40% per annum	More Info >
5 year structured investment plan Potential maximum quarterly income of 2.10% (8.40% per year) ISA transfers allowed Capital at risk Income is not guaranteed Plan designed to be held for full term
	FTSE 100 Bonus Income Plan	Investec Bank plc	5 years	7.50% per annum	More Info >
5 year structured investment plan Fixed income of 7.50% pa includes a 0.50% potential annual bonus Monthly income option ISA transfers allowed Capital at risk Plan designed to be held for full term 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.

See the tables below for some of the leading funds available as stocks and shares ISA investments:

Investment ISAs - Growth

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc	Up to 5 years	13% per annum	More Info >
5 year structured investment plan Potential for early maturity after years 1,2,3 and 4 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Defensive Bonus Plan	Morgan Stanley	Up to 6 years	9% per annum	More Info >
6 year structured investment plan Potential early maturity return of 9% x the number of years the plan has been active ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Early Bonus Plan	Abbey National Treasury Services plc	Up to 6 years	9% per annum	More Info >
6 year structured investment plan Potential for early maturity after years 1,2,3,4 and 5 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Defensive Kick Out Plan	Investec Bank plc	Up to 6 years	8.5% per annum	More Info >
6 year structured investment plan Potential for early maturity after years 2, 3, 4, 5 or 6 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE 5 Quarterly Defensive Plan	Royal Bank of Scotland	5 Years	4.50% per quarter	More Info >
5 year structured investment plan Available as a stocks and shares ISA ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Booster Plan	Morgan Stanley	6 years	60%	More Info >
6 year structured investment plan Potential defined return of 60% - even if the FTSE 100 falls by up to 20% ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Defensive Returns Plan	Investec Bank plc	6 years	100%	More Info >
6 year structured investment plan Potential to return 100% of any FTSE growth Competitive return available even if the FTSE falls ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Best Entry Growth Plan		6 years	100%	More Info >
6 year structured investment plan Growth return of 5 x any positive growth in the FTSE (maximum return of 100%) ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Returns linked to performance of FTSE 100 Index Plan designed to be held for full term
	FTSE 100 Geared Returns Plan	Investec Bank plc	5 years	80%	More Info >
5 year structured investment plan Potential defined return of 80% ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Growth Plan	Abbey National Treasury Services plc	5 years	60%	More Info >
5 year structured investment plan Potential defined return of 60% Available for ISA transfers Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Accelerated Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured investment plan Returns 2.5 x any potential FTSE 100 growth ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	FTSE Protected Growth Plan	Morgan Stanley	6 years	35%	More Info >
6 year structured investment plan Capital protected Potential for early maturity growth return of 35% Available for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

Income Cash ISAs

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Income Deposit Plan	Royal Bank of Scotland plc		6 Years	7.00% 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

Income Deposit Plan

Royal Bank of Scotland plc

6 Years

7.00%
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.

Growth Cash ISAs

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	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
	Deposit Kick Out	Royal Bank of Scotland plc	Up to 6 years	9.50% per annum	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Plan	Royal Bank of Scotland plc	6 Years	7.60% 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 Growth is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% per annum	More Info >
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 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
	FTSE 100 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth 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
	Growth Deposit Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) 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
	Enhanced Growth Plan	Santander UK plc	6 years	40%	More Info >
6 year structured deposit plan Capital protected 4 x any rise in the FTSE 100 capped at 40% Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Annual Locked-In Return Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.5% potential annual return Available for Cash ISAs & Cash ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	FTSE Protected Growth Plan		6 years	35%	More Info >
6 year structured investment plan Capital protected Potential for early maturity growth return of 35% Available for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

Fund ISAs - Income

Product Name	Income Yield	More Info
Invesco Perpetual Monthly Income Plus	7.01%	More Info >
Newton Higher Income	7.02%	More Info >
Invesco Perpetual Distribution	6.70%	More Info >
Schroders Income Maximiser	6.27%	More Info >
Henderson Strategic Bond	5.90%	More Info >
Invesco Perpetual Corporate Bond	5.54%	More Info >
Global Equity Income Fund	4.56%**	More Info >
M&G Optimal Income	4.67%	More Info >
Strategic Bond	4.42%	More Info >
Artemis Income	4.50%	More Info >
UK Income Fund	4.30%	More Info >
Invesco Perpetual Income	3.63%	More Info >
Invesco Perpetual High Income Fund	3.87%	More Info >

*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below.

The government made changes to the annual ISA allowance so that it would increase annually inline with inflation, beginning from the 2011/2012 tax year. This means you can save even more in your stocks and shares ISA and cash ISA, protecting more of your savings from capital gains and income tax.

If you do not invest the maximum allowance for 2012/13 ISAs before the end of the tax year (5th April 2013), you will lose that allowance forever. Additionally, if you withdraw money from your ISAs but have already paid in the maximum allowance for that year, you cannot replace the funds which you have taken out.

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.

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 in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.