Current ISA Offers
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From April 6 2010, the ISA limit increases to £10,200 for all adults. Whether you are looking to invest a lump sum in an ISA or wish to set up a monthly savings plan, our ISA comparison service provides you with options:
- Deposit-based Cash ISAs
- Income ISAs with monthly income options
- 3,4, and 5 year Growth ISAs
- ISAs which are Capital Protected.
Investing for Income ISAs
Investing For Growth ISAs
| Barclays UK Super Tracker |  | £3,600 | |
| This 5 year structured investment plan returns 3x any growth in the FTSE 100 index up to a maximum of 75%. |
| Investec Guaranteed 5 Year FTSE 100 Plan | | £1,500 | |
| This 5 year capital protected structured investment plan offers a maximum return of 40% at maturity. |
| Barclays Target Growth Plan | | £3,600 | |
| 5 year structured investment plan offering 50% return, if the final index level is above initial index level. |
| 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%. |
| Barclays Defined Returns (Annual Kick-Out 100) Plan | | £3,600 | |
| The 6 year structured investment plan offers an opportunity for attractive pre-defined returns at 7.75% a year. |
| Investec Guaranteed 3 Year FTSE 100 Plan | | £1,500 | |
| This 3 year capital protected structured investment plan offers a maximum return of 19% at maturity. |
| Zurich Equity Linked Growth Account ISA | | £2,500 | |
| Capital protected structured investment plan that aims to return 80% of any growth in the FTSE 100 Index over the 5 year term. |
| Morgan Stanley FTSE Protected Growth Plan | | £3,000 | |
| This 6 year structured investment plan offers a return of up to 18% with the potential to kick out after 3 years. |
| Barclays 6-Year Defined Returns Plan | | £3,600 | |
| 6 year Capital Protected Structured Investment Plan offering a maximum return of 48%. |
| Morgan Stanley FTSE Best Entry Growth Plan | | £3,000 | |
| This 6 year structured investment plan returns two times any positive growth in the FTSE 100. |
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.