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

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Compare Investments

Compare 2012 investments...

If you want to compare investments to find a plan that is going to fulfil your needs, it is a good idea to consider what you want to gain from your investment.

You might want an investment that can provide tax efficient returns, or involves low risks to your savings or you may want an investment that can provide a fixed income over a long period of time.

Compare investments using the table below - you will find a broad range of investments to compare ranging from income and growth investment plans to ethical products:

Investing for Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
Income Builder PlusMorgan Stanleyyes5 years8.40%
per annum		More Info >
  • 5 year structured investment plan
  • Potential maximum quarterly income of 2.10% (8.40% per year)
  • ISA transfers allowed
  • Capital at risk
  • Income is not guaranteed
  • Plan designed to be held for full term
FTSE 100 Bonus Income PlanInvestec Bank plcyes5 years7.50%
per annum		More Info >
  • 5 year structured investment plan
  • Fixed income of 7.50% pa includes a 0.50% potential annual bonus
  • Monthly income option
  • ISA transfers allowed
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.

 

Investing for Growth
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out Plan Investec VersionInvestec Bank plcyesUp to
5 years		13%
per annum		More Info >
  • 5 year structured investment plan
  • Potential for early maturity after years 1,2,3 and 4
  • ISA transfers allowed
  • Also available to businesses, charities & trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE Defensive Bonus PlanMorgan StanleyyesUp to 6 years9.50%
per annum		More Info >
  • 6 year structured investment plan
  • Potential early maturity return of 9.50% x the number of years the plan has been active 
  • ISA transfers allowed
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
Early Bonus PlanAbbey National Treasury Services plcyesUp to 6 years9%
per annum		More Info >
  • 6 year structured investment plan
  • Potential for early maturity after years 1,2,3,4 and 5
  • ISA transfers allowed
  • Also available to businesses, charities & trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.
Select Income Funds
Fund ManagerFundFund Manager Initial Charge¹Your SavingSaving On ISA²AMC³Income Yield*Select Fund°Fact SheetApply Now
Newton Higher Income0%4.00%£4271.50% 1.30%7.02%yesFactsheetMore Info >
Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. See latest fund factsheet for details.
Invesco Perpetual Monthly Income Plus0%5%£5341.25% 1.05%7.01%yesFactsheetMore Info >
Income Paid Monthly. Popular 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. See latest fund factsheet for details.
Invesco Perpetual Distribution0%5%£5341.38% 1.18%6.70%yesFactsheetMore Info >
Income Paid Monthly. Invesco Perpetual Distribution offers a balance between both income and capital growth through investment in UK based equities and fixed interest securities. See latest fund factsheet for details.

¹The Initial Charge after 100% of the Fair Investment Company Charge has been rebated as well as any fund manager discounts we can pass on to you if applicable.

²Based on 2011/12 ISA allowance of £10,680.

³AMC is the Annual Management Charge applied by the Fund Manager. By using our Fund Supermarket we can rebate up to 0.20% of the AMC back to you. This rebate is paid into a cash account which is set up for you when you first invest.

°Select Fund - Has a OBSR A Star Rating or more and a 100% initial charge discount.

 

Bonds: To provide the potential for overall returns these funds invest in bonds, also known as fixed interest securities. This is achieved by receiving regular interest on loans to companies or governments. There is a chance the bond issuer could fall into financial difficulty and will not be able to pay the interest or the loan back, which could result in a fall in your investment returns. Bonds can also be sensitive to trends in interest rate movements and if interest rates go up, the returns on your investment are likely to fall as bonds can become less attractive. On the other hand, if interest rates fall, bonds are likely to become more attractive and your investment returns increase.

Select Growth Funds
Fund ManagerFundFund Manager Initial Charge¹Your SavingSaving On ISA²AMC³Select Fund°Fact SheetApply Now
Aberdeen Emerging Markets 0%4.25%£4531.75% 1.55%yesFactsheetMore Info >
The Fund aims to provide long term capital growth from direct or indirect investment in emerging stock markets worldwide or companies with significant activities in emerging markets. See latest fund factsheet for details.
Gold & General0%5.00%£5341.50% 1.30%yesFactsheetMore Info >
This is a specialist unit trust which aims to achieve long term capital growth by investing in gold mining and precious metal-related shares. It tends to be volatile and is particularly suitable for diversification in a larger portfolio. See latest fund factsheet for details.
First State Global Emerging Markets Leaders 0%4.00%£4271.50% 1.30%yesFactsheetMore Info >
The Fund aims to achieve long-term capital growth. The Fund invests worldwide in large and mid capitalisation equities in emerging economies, including those of companies listed on developed market exchanges whose activities predominantly take place in emerging market countries. See latest fund factsheet for details.

¹The Initial Charge after 100% of the Fair Investment Company Charge has been rebated as well as any fund manager discounts we can pass on to you if applicable.

²Based on 2011/12 ISA allowance of £10,680.

³AMC is the Annual Management Charge applied by the Fund Manager. By using our Fund Supermarket we can rebate up to 0.20% of the AMC back to you. This rebate is paid into a cash account which is set up for you when you first invest.

°Select Fund - Has a OBSR A Star Rating or more and a 100% initial charge discount.

With so much choice, it is a good idea to compare investments because each product can offer different benefits. Some types of investments can involve high risk strategies which mean your returns could be higher, while others can provide a guaranteed return. Compare investments including:

  • Alternative investments – Choose from a broad range of investments including collectibles, commodities and property
  • Child trust funds – Save for your child's future to give them a head start in life
  • ISAs – Tax-efficient way to save
  • Ethical investments – Invest in companies that aim to have a positive effect on the environment
  • Pensions – Plan for your future to ensure you have a comfortable retirement

 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.

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