Best Fixed Monthly Income Plans

Compare Best Fixed Monthly Income Plans


"A fixed monthly income plan can offer you the opportunity to receive a regular predictable income each month, which can be useful from a budgeting point of view as you know from the outset of the plan that you will receive a defined return each month for a defined level of risk. See the tables below for our latest selection of the best fixed monthly income plans."

Oliver Roylance-Smith , Head of Investments and Savings   

 

Investing for Fixed Income
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes5 years

4.35%

fixed income

More Info >
  • 4.35% income pa paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfers - 24 November 2017
  • Investment deadline for direct and ISA applications - 15 December 2017
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans 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 due to the performance of the underlying investment. 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.

Features of fixed monthly income plans

Most of the best fixed monthly income plans offer you a defined return for a defined level of risk, which means that you know the exact terms of the plan prior to investing and exactly what needs to happen in order to provide you with the stated income or growth return. They also include what is known as conditional capital protection, whereby your original capital is returned at the end of the plan term, as long as the underlying investment has not fallen by more than a specified amount, normally 50% of its starting value. Use the tables above to help you find the best fixed monthly income plans for your needs.


Our Popular Fixed Monthly Income Plans

One of our most popular investment plans in 2014, the Investec Enhanced Income Plan, offers fixed monthly income payments regardless of the performance of the FTSE 100 Index during the term of the plan. Capital is at risk if the Index drops by more than 50% during the plan and fails to recover by the end of the term, in which case your initial capital will be reduced by 1% for each 1% fall - so you could lose some or all of your initial investment. Also from Investec, the FTSE 5 Monthly Income plan offers a higher monthly income in return for a higher level of risk. The higher level of income is due to the return of your capital being dependent on the performance of five FTSE 100 shares – if the value of the lowest performing share at the end of the term is less than 50% of its value at the start of the plan, your initial capital will be reduced by 1% for each 1% fall, so you could lose some or all of your initial investment. 

 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.