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Bank of Scotland ISAs

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Get tax efficient savings with a BoS ISA...

There is a range of Bank of Scotland ISAs to choose from, depending on your requirements and how much you have to invest. ISAs allow you to invest up to £10,200 (from 6 April 2010) each tax year, of which £5,100 in cash and the remainder in stocks and shares, or the entire £10,200 in stocks and shares.

Bank of Scotland ISAs are available through Halifax, and both cash and investment ISAs are included, see the table below for other leading UK ISA deals:

Investing for Income ISAs

Investing For Growth ISAs

Specialist Fund ISAs

Ethical ISA Funds

Cash ISAs

	Product Name	ISA Option	Income Yield	More Info
	FTSE Income Plan - Conditional Income Option		6.50% pa^††
	5 Year Structured Income Plan offering an annual yield of 6.50%. Can be used for ISA transfers & SIPP investment.
	Barclays Wealth Regular Income Bond		6.00% pa^†
	6 Year Structured Income Bond with an annual yield of 6.00% or monthly at 0.4875%. Can be used for ISA transfers & SIPP investment.
	FTSE Income Plan - Fixed Income Option		5.80% pa
	5 Year Structured Income Plan offering an annual yield of 5.80%. Can be used for ISA transfers & SIPP investment.
	Investec 5 Year FTSE 100 Income Deposit Plan		4.75% pa^††
	5 year capital protected deposit plan with an annual yield of 4.75% or a monthly yield of 0.38%. The plan can be used for cash ISA investment or cash ISA transfer
	The Royal Deposit ISA		4.00% pa^†
	3 year fixed rate cash ISA that returns 4.00% a year. The plan can be used for cash ISA investment or cash ISA transfer.
	Schroders Monthly High Income Fund		See Details
	The Schroder Monthly High Income Fund aims to generate a high income, whilst not compromising capital, by investing in a diversified basket of fixed income securities. 100% Discount off Initial Charges.
	Invesco Perpetual Monthly Income Plus Fund ISA		See Details
	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.
	Henderson Strategic Bond Fund		See Details
	The aim of this fund is to deliver a quarterly income to investors by investing in higher yielding assets, which will include most types of fixed interest securities such as high yield bonds, investment grade bonds and government gilts, as well as having the ability to invest a proportion of the fund in equities. Income is paid to you quarterly.
	Schroders Income Maximiser		See details
	The Schroder Income Maximiser Fund ISA 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.
	Invesco Perpetual Corporate Bond ISA		See details
	This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge.
	Artemis Income ISA		See details
	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.
	Jupiter Corporate Bond Fund ISA		See details
	The Jupiter Corporate Bond aims to achieve a high level of income with the opportunity for capital growth, through mainly investing in fixed interest securities. Income is paid to you twice yearly. 87.5% Discount off the Standard Initial Fund Charge.
	Invesco Perpetual High Income Fund ISA		See details
	One of the UK's most popular income fund ISAs 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.
	M&G Corporate Bond ISA		See details
	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
	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 Fund Charge.
	Legal & General Managed Monthly Income ISA		5.30%**
	Managed Monthly Income ISA Pays tax-free income monthly and invests in a Managed Monthly Income Trust with a current gross distribution yield of 5.3% (as at 30 June 2009, it will however change over time).

† Guaranteed income payments.
†† Income payments are dependent upon the FTSE 100 Index.

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

	Product Name	ISA Option	Minimum investment	More Info
	Barclays 6-Year Defined Returns Plan		£3,600
	6 year Capital Protected Structured Investment Plan offering a maximum return of 44%.
	Investec Guaranteed 3 Year FTSE 100 Plan		£1,500
	This capital protected deposit plan offers a maximum return of 18% at maturity.
	Investec FTSE 100 Geared Returns Plan		£1,500
	This 5 year structured investment plan offers a maximum return of 62.5% at maturity.
	Barclays Defined Returns (Annual Kick-Out 90) Plan		£3,600
	6 year structured investment plan that offers an opportunity for attractive pre-defined returns at 7.75% a year. Potential to kick-out after 3 yearsif the FTSE is above 90% of its starting level..
	Investec Enhanced Kick Out Plan		£1,500
	5 year structured investment plan offering a fixed return of 9.25% a year with the potential to kick-out after year one.
	Barclays Defined Returns (Annual Kick-Out 100) Plan		£3,600
	6 year structured investment plan that offers an opportunity for attractive pre-defined returns at 7.75% a year. Potential to kick-out after 2 years if the FTSE is above its starting level.
	Barclays UK Super Tracker		£3,600
	This 5 year structured investment plan returns 4x any growth in the FTSE 100 index up to a maximum of 64%.

	This 3 year structured investment plan returns 2x any growth in the FTSE 100 index up to a maximum of 30%.
	Investec FTSE 100 Kick-Out Deposit Plan		£1,500
	Structured deposit plan with two options offering returns of up to 6.75% per year. Potential to kick out after 2 or 3 years depending on the option.
	Morgan Stanley FTSE Kick Out Growth Plan		£3,000
	This 6 year structured investment plan offers the potential to kick out after 3 years with a maximum return of 50%.
	Morgan Stanley FTSE Best Entry Growth Plan		£3,000
	This 6 year structured investment plan returns 2.85 times any positive growth in the FTSE 100.
	Morgan Stanley FTSE Tracker Plus Plan		£3,000
	This 6 year structured investment plan offers a return of 1.2 times any positive growth in the FTSE 100, with 80% capital protection.
	Morgan Stanley FTSE Protected Growth Plan		£3,000
	This 6 year structured investment plan offers a return of up to 20% with the potential to kick out after 3 years.
	Investec Guaranteed 5 Year FTSE 100 Plan		£1,500
	This 5 year capital protected deposit plan offers a maximum return of 40% at maturity.
	Fidelity China Special Situations PLC		£2,500
	NEW LAUNCH NOW OPEN - To be managed by Anthony Bolton one of the UK's most renowned fund managers who believes the investment opportunity presented by China is just too good to miss. No Initial Charges if you invest by 5th April 2010.
	Jupiter Financial Opportunities Fund ISA		From £50 Per Month
	A top performing fund that seeks to achieve long-term capital growth principally through investment in equities of financial sector companies on an international basis.
	M&G Recovery Fund ISA		From £50 Per Month
	The principle behind the fund is simple, but has proved highly effective – it focuses on corporate rather than economic recovery. To achieve this, the fund manager, Tom Dobell, scrutinises companies and identifies those he believes can recover regardless of economic conditions.
	Artemis UK Special Situations Fund ISA		From £50 Per Month
	The Artemis UK Special Situations Fund aims to achieve long-term capital growth by exploiting special situations.
	Jupiter Ecology ISA		From £50 Per Month
	The objective of the Fund is to achieve long-term capital appreciation together with a growing income consistent with a policy of promoting environmental and social change.
	TD Waterhouse Trading ISA		N/A
	The TD Waterhouse Trading ISA is a self select, stocks and shares ISA, which offers a wide range of investment choices. It puts you in control of your share portfolio and at the same time protects your growth from Income Tax and Capital Gains Tax.

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

	Product Name	ISA Option	Minimum investment	More Info
	Fidelity China Special Situations PLC		£2,500
	NEW LAUNCH NOW OPEN - To be managed by Anthony Bolton one of the UK's most renowned fund managers who believes the investment opportunity presented by China is just too good to miss. No Initial Charges if you invest by 5th April 2010.
	Black Rock Gold and General Fund ISA		From £50 Per Month
	The BlackRock Gold & General Fund aims to achieve long term capital growth by investing in gold, mining and precious metal related shares. 100% Discount on Initial Charge. Click here to view latest Fund Facts »
	JP Morgan Natural Resources Fund ISA		From £50 Per Month
	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. Click here to view latest Fund Facts »
	Allianz Bric All Stars Fund ISA		From £50 Per Month
	aims to achieve capital growth in the long term by investing mainly in the equity markets of Brazil, Russia, India and China. Click here to view latest Fund Facts »
	First State Greater China Growth Fund ISA		From £50 Per Month
	Aims to provide you with long term capital growth by investing in the shares of companies that were either established or have a predominant part of their economic activities in China, Hong Kong and Taiwan. Click here to view latest Fund Facts »
	Jupiter Ecology Fund ISA		From £50 Per Month
	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. Click here to view latest Fund Facts »

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

	Product Name	ISA Option	Minimum investment	More Info
	Jupiter Ecology Fund		From £50 Per Month
	The objective of the Fund is to achieve long-term capital appreciation together with a growing income consistent with a policy of protecting the environment.
	Ecclesiastical Amity Sterling Bond		From £25 Per Month
	This income fund with an attractive distribution yield pays income quarterly. Amity Fund Managers actively seek companies contributing to a safer, cleaner world - positive screening - rather than relying solely on negative screening of undesirable companies.
	Schroders Global Climate Change Fund		£1,000 or £50pm
	This fund seeks to identify companies that are benefiting from either mitigation of the impact of global climate change or adaptation to changes. Examples of companies that the fund might invest in include renewable energy solutions, such as solar and wind power as well as biofuel.
	Ecclesiastical Amity International Fund		From £25 Per Month
	The objective of this Fund is to achieve long term capital growth with a reasonable level of income primarily through a diversified portfolio of European equities. This Fund provides the opportunity to invest in European companies with strong socially responsible policies.
	Jupiter Environmental Income ISA		£50 Per Month
	The Fund aims to provide income and long-term capital growth through investment primarily in UK equities, focusing on good governance companies.
	Virgin Money Climate Change Fund ISA		From £500 Per Month
	Invest Online - ISA Option Only. The Virgin Climate Change ISA invests in Companies (mainly in the UK & Europe) who aim to drive profit growth

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	Account	Rate
	Investec 5 Year FTSE 100 Income Deposit Plan ISA	4.75%*
	5 year capital protected deposit plan with an annual yield of 4.75% or a monthly yield of 0.38%. The plan can be used for cash ISA investment or cash ISA transfer.
	The Royal Deposit ISA	4.00%
	3 year fixed rate cash ISA that returns 4.00% a year. The plan can be used for cash ISA investment or cash ISA transfer.
	ING Direct Cash ISA	2.50%
	Rate is guaranteed for 12 months. Start saving from just £1.
Exisiting customers only	Natwest E Cash ISA	up to 2.50%
Exisiting customers only	minimum deposit £1.00. Open to Natwest current account holders only.
	E-Cash ISA	2.10%
	Instant access cash ISA open to new and existing customers.
	Investec FTSE 100 Kick-Out Deposit Plan	Up to 6.75% per year
	Structured deposit plan with two options offering returns of up to 6.75% per year. Potential to kick out after 2 or 3 years depending on the option. Available for Cash ISA and Cash ISA transfer.
	Investec FTSE 100 3 Year Deposit Plan ISA	See Details
	This capital protected deposit plan offers a maximum return of 18% at maturity.
	Investec FTSE 100 5 Year Deposit Plan ISA	Growth return of up to 40%
	This 5 year capital protected deposit plan offers a maximum return of 40% at maturity. Available as Cash ISA and Cash ISA transfer.
	HSBC E Cash ISA	1.75%
	exclusively for HSBC Personal Banking Customers
Existing customers only	RBS Instant Access Cash ISA	0.55% - 2.00%
Existing customers only	ISA transfers are eligible for additional bonus interest payments. Tiered interest rates. 2.00% AER applied to deposits of £50K+. Open to RBS current account holders only.
Existing customers only	Natwest Cash ISA	up to 2.00%
Existing customers only	Minimum deposit £1.00, rates from 0.50% - 2.00% AER. Open to Natwest current account holders only.

* Income payments are dependent upon the FTSE 100 Index.

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

Choose from the following Bank of Scotland ISAs, available through Halifax which is part of the same banking group (HBOS):

Stocks and Shares ISAs

Invest up to £10,200 from 6 April 2010 (dependent on if you have a cash ISA too)
Your savings track the ups and downs of the stock market
Good if you're looking for a long-term investment
Use the returns as an income or let it grow
Know your way around the stock market? Manage your own funds

Cash ISAs

Open an account with just £1
Invest up to £5,100 (as of 6 April 2010) in each tax year
Can be managed online, by phone or in branch (depending on which one you choose)
Unlimited withdrawals (on some of the accounts)

See below for the latest ISA deals to see how Bank of Scotland ISAs compare, or get FREE investment advice with no obligation by clicking on the link.

Important Note: ISAs are designed as medium to long term investments of, for example, five years or more. For investment ISAs both capital and income values may fall as well as rise and are not guaranteed and you may not get back all the money you invest. Please note that tax laws can change over time and can affect your investment. If you are in doubt you should speak to a financial adviser.

Fair Investment Company is authorised and regulated by the Financial Services Authority (FSA).

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