Last minute Investment ISAs 2012 - our Top 5

Last minute Investment ISAs 2012 - our Top 5

30 March 2012 / by Oliver Roylance-Smith

With less than a week to go until the deadline for using your 2011/12 Investment ISA allowance (£10,680), this is your last opportunity to protect your returns from the taxman. To help you know where others are putting their money, we feature our Top 5 most popular Investment ISA plans.

1.    Morgan Stanley FTSE Income Plan

Top of the list is our exclusive Morgan Stanley FTSE Income Plan which pays a market leading annual income of 7.7% fixed over 5 years. This plan has a 5 year term and the income is paid to you quarterly and is not dependent on the performance of the Index. The minimum investment is £3,000. 00.
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2.    Investec Bonus Income Plan

This is closely followed by Investec’s Bonus Income Plan paying 7% fixed per year with a potential 0.5% bonus if the FTSE finishes higher than it starting value at the end of each year. This plan has a monthly payment option and a 5 year investment term. The minimum investment is £1,500.00.
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3.    Investec Enhanced Kick Out Plan

Investec also offer our most popular growth plan with their Enhanced Kick Out offering the potential to mature early and return 13% for each year the plan has been in place. The plan has a 5 year investment term but will mature early if the FTSE finishes higher than its starting value. The minimum investment is £1,500.00.
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4.    Morgan Stanley Booster Plan

For those with a more defensive view of the FTSE, Morgan Stanley’s Booster Plan has been the top pick, offering a 60% fixed return at the end of the term provided the FTSE has not fallen by more than 20%. This is a 6 year plan with a minimum investment of £3,000.00.
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5.    Investec Geared Returns Plan

Finally, Investec feature once again with their Geared Returns plan which offers an impressive fixed return of 76% if the FTSE finishes higher than its starting value, subject to averaging. This is a 5 year plan with a minimum investment of £1,500.00.
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Conditional capital protection

Unlike investment funds where all of your capital moves on line with fluctuations in the market, these plans include conditional capital protection which means that that your initial investment is returned at the end of the investment term unless the FTSE falls by more than 50%, measured throughout the term of the plan.

If it does fall by more than 50% during the investment term, the value of the capital returned will usually depend by how much the FTSE is below its starting value at the end of the investment term.

How to apply

When you click for more information on any of the above plans you will be able to request a brochure pack which will be sent to you by post and email. With the 2011/12 ISA deadline imminent, you may not receive the postal pack in time so we recommend you print and complete the application form contained within the email brochure pack attachments.

Important note - don’t miss out

Please be aware that completed 2011/2012 ISA application forms must be received by us no later than Wednesday 4th April 2012 and so the use of next day delivery services should be considered.
 
Remember that all of the above plans also allow you to apply for next year’s Investment ISA allowance (£11,280) as well as accepting transfers and non-ISA investments. If you have any questions on how to apply please contact our Customer Services team on 0845 308 2525.

Click here to compare our Investment ISA selections »


No news, feature article or comment should be seen as a personal recommendation to invest. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment. If you are at all unsure of the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

These are structured investment plans that 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. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. The past performance of the FTSE 100 Index is not a guide to its future performance.

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