Growth investments more popular than income

Growth investment products are more popular than income products according to the latest research by Fair Investment Company.

The firm, that polled savers in October and April has found that the percentage of savers looking for growth investment products has increased from 47% six months ago to 78% now, while those looking for income from their investments has gone down from 53% to just 22%.

The survey also revealed that 86% of savers are sick of the low rates on savings accounts are looking to review their savings while the base rate remains at 0.5%.

"The Bank of England base rate has been at 0.5% for 15 consecutive months now, while the average instant access savings account rate is just 0.73%, so it is no wonder that people are ready to review products that aren't performing," said George Ladds, Fair Investment Company's head of pensions and investments

"And it is interesting that there has been a bit of a shift from income to growth," he continued. "It could be to do with the fact that people are less nervous now and are therefore more prepared to move out of safer cash products to look at longer term investment growth plans than they were six months ago.

"That is certainly backed up by our survey which found that six months ago, 12% of respondents said they were nervous of the current climate, now, the figure is just 5%."

George says that because financial needs change over time, as do the performance of different types of savings, it is important to review all your savings, whether in cash or in other investment products to make sure you are getting the most from your money.

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	Product Name	ISA Option	Income Yield	More Info
	Income Builder		7.50% per annum	More Info >
	A 5 years and 3 weeks structured investment plan paying a potential maximum quarterly income of 1.875% (equivalent to 7.50% per year). Also available for Stocks & Shares ISA and ISA transfer.
	FTSE Income Deposit Plan		7.25% per annum	More Info >
	A 6 year capital protected structured deposit plan with the potential to pay 7.25% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.
	FTSE 100 Bonus Income Plan		7.50% 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.
	Income Maximiser		See Details	More Info >
	Seeks to achieve a target yield of 7% to generate a quarterly income, whilst offering the potential for some long-term capital growth. Save 100% on Initial Charges.
	Monthly Income Plus Fund		See Details	More Info >
	Popular monthly income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges. Click here to view latest Fund Facts »
	Strategic Bond		See Details	More Info >
	Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save up to 97% on Initial Charges.
	Invesco Perpetual Corporate Bond Fund		See Details	More Info >
	This highly popular investment fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »
	Artemis Income Fund		See Details	More Info >
	One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »
	Invesco Perpetual High Income Fund		See Details	More Info >
	One of the UK's most popular income funds, the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. Click here to view latest Fund Facts »
	M&G Corporate Bond Fund		See Details	More Info >
	The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge.
	Jupiter Merlin Income Portfolio		See Details	More Info >
	The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Charge. Click here to view latest Fund Facts »

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.

	Product Name	ISA Option	Maximum Potential Return	Term	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version		13.50% per annum	Up to 5 years	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 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
	FTSE Bonus Growth Plan		12.50% per annum	Up to 6 years	More Info >
	6 year structured investment plan with the potential to mature early, returning the greater of 12.5% 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
	Early Bonus Plan		11.00% per annum	Up to 6 years	More Info >
	A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.
	FTSE 5 Quarterly Defensive Plan		4.25% per quarter	5 Years	More Info >
	A 5 year structured investment plan with the potential to return 4.25% x the number of quarters the Plan has been active.
	FTSE Booster Plan		60%	6 years	More Info >
	6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.
	FTSE 100 Geared Returns Plan		80%	5 years	More Info >
	5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.
	Growth Plan		60%	5 years	More Info >
	A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.
	FTSE 100 Accelerated Growth Plan		No limit	5 years	More Info >
	5 year structured investment plan with the potential to return 2.2 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.
	FTSE Protected Growth Plan		35%	6 years	More Info >
	A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.
	Inflation Protected Deposit Bond		RPI Tracker	5 years	More Info >
	5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 3 Year Deposit Plan		19%	3 years	More Info >
	3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 Deposit Growth Plan		No limit	5 years	More Info >
	5 year capital protected structured deposit plan which aims to return 1.0 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.
	Growth Deposit Bond		50%	6 years	More Info >
	6 year capital protected structured deposit plan which returns the greater of 8.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.
	Enhanced Growth Plan		40%	6 years	More Info >
	6 year capital protected structured deposit plan which aims to return 5 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.
	Annual Locked-In Return Plan		36%	6 years	More Info >
	6 year capital protected structured deposit plan which aims to return 6% annual growth capped at 36%. Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 Kick Out Deposit Plan - Option 2		6.25% per annum	Up to 5 years	More Info >
	Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
	FTSE 100 Kick Out Deposit Plan - Option 1		6.00% per annum	Up to 5 years	More Info >
	Capital protected structured deposit plan with the potential to mature after years 1, 2, 3, and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.
	Moneybuilder		5.75% per annum	6 years	More Info >
	A 6 Year capital protected structured deposit growth plan with the potential to pay 5.75% pa, up to a maximum of 34.5% over 6 years at maturity. Also available for Cash ISA and ISA Transfer.

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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.

	Service	ISA Option	Minimum Investment	More Info
	Share Trading Account Plus		N/A	More Info >
	Trade in a wide variety of investment options including International Equities, Warrants and Covered Warrants. Frequent traders get a reduced rate of £8.95

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.