Latest Investment Commentary

Investment income is king

Oliver Roylance-Smith / 15 May 2012

Investing for income is always a popular investment theme, never more so than in recent months with income solutions ruling the roost over the ISA season for both the cash ISAs and investment ISAs. ... Read more

Investment Focus: Gilliat Income Builder Plus

Oliver Roylance-Smith / 15 May 2012

Of all the investment themes, income is consistently at the forefront of the investor’s mind, whether you are working and need to supplement your earnings, or retired and looking to add to you... Read more

5 x FTSE growth - potential returns of up to 100%

Oliver Roylance-Smith / 10 May 2012

"If you think the FTSE will rise over the medium term then this plan could be just for you. The Best Entry plan from Morgan Stanley offers a return of 5 x any rise in the FTSE 100 Index with a ... Read more

Inflation and interest rates - What it means for you

In the last fortnight we have had a further vote on the base rate by the Bank of England’s Monetary Policy Committee as well as the revised inflation figures released by the Office for National Statistics. We take a closer look at what has happened and evaluate what this might mean for savers and investors.

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Capital Protected ISAs

Capital protected ISAs offer investments with potentially competitive returns, often linked to the performance of a stock market, while protecting the initial capital invested, regardless of whether the index linked to falls or rises.

Capital protected ISAs will return the capital normally as long as no funds are withdrawn before the ISA plan reaches maturity. Capital protection also depends on the bank or other institution acting as counterparty in the plan being able to meet its liabilities.See the table below for a selection of capital protected ISAs available through Fair Investment Company:

Capital Protected Investment Products

Product Name	Maximum Potential Return	Term	More Info
Income Deposit Plan	7.00% per annum	6 Years	More Info >
A 6 year capital protected structured deposit plan with the potential to pay 7% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.			More Info >
FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year capital protected structured deposit plan which aims to return 1.05 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.			More Info >
Enhanced Growth Plan	40%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 4 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Growth Deposit Bond	50%	6 years	More Info >
6 year capital protected structured deposit plan which returns the greater of 9.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 3 Year Deposit Plan	17.25%	3 years	More Info >
3 year capital protected deposit plan with the potential to receive a defined return of 17.25%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 2	6.00% 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% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >

Important Risk Information (Please Read)

While offering additional safeguards for investments, the level of return on capital protected ISAs may be capped at lower than the potential return on a similar capital at risk investment.

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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.