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78% of UK investors plan to make use of their ISA allowance
Recent research from the Association of Investment Companies suggests that 78% of investors plan to make use of their ISA allowance this year. 40% plan to use only the shares element , representing a 1% rise since last year, while just over a quarter plan to use both their cash ISA and investment ISA allowance, again representing a 1% increase on the previous year. more
2012-13 ISA deadline looms
The clock is ticking until the annual ISA deadline on 5th April - so if you’ve not used your ISA allowance this year, now is definitely the time to start. more
Over 50s most likely to utilise their ISA allowance
A recent survey conducted by NS&I indicates that the demographic of ISA savers has undergone quite a few changes in recent years. A survey of over 1,200 UK adults revealed some interesting insights into the behavior of savers in the past few years. more
24% of Britons will invest £11,280 in their 2012-13 ISA allowance
The latest research released by NS&I suggests that there has been an increase in the number of people who’ll be making use of their annual ISA allowance. more

Last Minute ISA options

02 April 2010 / by Rebecca Sargent

A recent poll of Fair Investment Company investors found that 36 per cent leave it right until the last minute to invest their ISA (individual savings allowance).

But as the end of the tax year falls on bank holiday Monday, and the postal deadline for applications has already passed, where can you go to make the most of your 2009/2010 ISA?

Many ISA providers allow for online applications – some allowing investors to deposit their cash right up until midnight on 5 April. At Fair Investment Company, we have a range of last minute ISAs available for you to choose from – all of which allow online applications, some until the last minute.

The range includes Cash ISAs and Stocks & Shares ISAs, including the Fair Investment Funds Service, which allows online applications for a range of leading ISA funds until 11.55pm on 5 April.

For those who are unable to make up their mind about which fund to invest in, the Fair Investment Fund Service comes with a cash reserve, which enables investors to park their ISA allowance and then invest it at a later date without losing it.

The Fair Investment ISA Helpdesk will be open over the bank holiday weekend to answer any queries when it comes to last minute ISA applications.

Compare last minute ISA deals »

© Fair Investment Company Ltd

Cash ISAs

Stocks and Shares ISAs

Fund ISAs

Provider	Product Name	ISA Type	Potential Return	Online ISA Deadline	Apply
', eventAction: 'Logo', eventLabel: 'Natwest_eISA' });">	e Cash ISA	CASH	2.50% AER	9.45pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Natwest_eISA' });">Apply Online >
', eventAction: 'Logo', eventLabel: 'Natwest_eISA' });">	Only available to Existing Natwest Current Account Customers
', eventAction: 'Logo', eventLabel: 'RBS Cash ISA' });">	Cash ISA	CASH	0.55% - 2.00% AER	9.45pm 5th April	', eventAction: 'Apply Now', eventLabel: 'RBS Cash ISA' });">Apply Online >
', eventAction: 'Logo', eventLabel: 'RBS Cash ISA' });">	Only available to Existing RBS Current Account Customers
', eventAction: 'Logo', eventLabel: 'Natwest Cash ISA' });">	Cash ISA	CASH	0.50% - 2.00% AER	9.45pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Natwest Cash ISA' });">Apply Online >
	Only available to Existing NatWest Current Account Customers
', eventAction: 'Logo', eventLabel: 'HSBC Cash ISA' });">	Cash ISA	CASH	1.75% AER	Midnight 5th April	', eventAction: 'Apply Now', eventLabel: 'HSBC Cash ISA' });">Apply Online >
', eventAction: 'Logo', eventLabel: 'HSBC Cash ISA' });">	Only available to Existing HSBC Bank Account Customers

Disclaimer (please read)

General risk warnings

The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Collective investments

Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.

Structured Products

Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.

Specific ISA warnings

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.
Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.

Hide Disclaimer

Provider	Product Name	ISA Type	Potential Return	Online ISA Deadline	Apply
', eventAction: 'Logo', eventLabel: 'TD Waterhouse Trading ISA' });">	Trading ISA	SHARE DEALING	See Details	Midnight 5th April	', eventAction: 'Apply Now', eventLabel: 'TD Waterhouse Trading ISA' });">Apply Online >
	UK and International Markets - Trade from £9.95 per trade
', eventAction: 'Logo', eventLabel: 'Barclays Stockbrokers Share Dealing ISA' });">	Share Dealing ISA	SHARE DEALING	See Details	5pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Barclays Stockbrokers Share Dealing ISA' });">Apply Online >
	UK and International Markets - Trade from £6.95 per trade
', eventAction: 'Logo', eventLabel: 'iWeb Share Dealing ISA' });">	Share Dealing ISA	SHARE DEALING	See Details	11.30pm 5th April	', eventAction: 'Apply Now', eventLabel: 'iWeb Share Dealing ISA' });">Apply Online >
	UK Trading - Trade from £10.00 per trade
', eventAction: 'Logo', eventLabel: 'Halifax Share Dealing ISA' });">	Share Dealing ISA	SHARE DEALING	See Details	11.30pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Halifax Share Dealing ISA' });">Apply Online >
	UK and International Markets - Trade from £11.95 per trade
', eventAction: 'Logo', eventLabel: 'Fair Investment Funds Service' });">	Fair Investment Funds Service	FUNDS	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Fair Investment Funds Service' });">Apply Online >
	Choose from 1300 fund ISAs and buy online through the Fair Investment Funds Service - Save up to 100% on initial charges.

* Guaranteed income payments.

Important risk information (please read)

General risk warnings

The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Collective investments

Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.

Structured Products

Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.

Specific ISA warnings

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.
Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.

Hide Disclaimer

Provider	Product Name	ISA Type	Potential Return	Online ISA Deadline	Apply
', eventAction: 'Logo', eventLabel: 'Schroder Income Maximiser' });">	Schroders Income Maximiser ISA	INCOME	7.00%*	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Schroder Income Maximiser' });">Apply Online >
	Strong performing fund that aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid to you quarterly. 100% discount off initial charges.
', eventAction: 'Logo', eventLabel: 'Invesco Perpetual High Income' });">	Invesco Perpetual High Income Fund ISA	INCOME	7.39%**	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Invesco Perpetual High Income' });">Apply Online >
	Popular monthly income fund ISA that invests in high yielding corporate and Government bonds, together with UK equities. 100% discount on initial charges.
', eventAction: 'Logo', eventLabel: 'JP Morgan Natural Resources' });">	JP Morgan Natural Resources Fund ISA	GROWTH	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'JP Morgan Natural Resources' });">Apply Online >
	Aims to supply you with long term capital growth by investing in a portfolio of shares in worldwide companies engaged in the production and marketing of commodities.
', eventAction: 'Logo', eventLabel: 'Jupiter Ecology' });">	Jupiter Ecology Fund ISA	GROWTH	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Jupiter Ecology' });">Apply Online >
', eventAction: 'Logo', eventLabel: 'Jupiter Ecology' });">	Aims to achieve long-term capital appreciation together with a growing income consistent with a policy of promoting environmental and social change. Save up to 90% off initial charges.
', eventAction: 'Logo', eventLabel: 'BlackRock UK Absolute Alpha' });">	BlackRock UK Absolute Alpha Fund ISA	GROWTH	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'BlackRock UK Absolute Alpha' });">Apply Online >
	Seeks to achieve a positive absolute return for investors by investing primarily in equities - income paid twice yearly. 100% discount on initial charge!
', eventAction: 'Logo', eventLabel: 'Allianz BRIC Stars' });">	Allianz BRIC Stars Fund ISA	GROWTH	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Allianz BRIC Stars' });">Apply Online >
	Aims to achieve capital growth in the long term by investing mainly in the equity markets of Brazil, Russia, India and China.
', eventAction: 'Logo', eventLabel: 'Fair Investment Funds Service' });">	Fair Investment Funds Service	FUNDS	See Details	11.55pm 5th April	', eventAction: 'Apply Now', eventLabel: 'Fair Investment Funds Service' });">Apply Online >
	Choose from 1300 fund ISAs and buy online through the Fair Investment Funds Service - Save up to 100% on initial charges.

* Target yield.
***Historic Yield reflects distributions declared over the last 12 months as a percentage of the mid-market price of the fund as at 29th January 2010.

Disclaimer (please read)

General risk warnings

The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

Collective investments

Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.

Structured Products

Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.

Specific ISA warnings

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.
Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.

Hide Disclaimer