Investment Focus

Investment Focus: Legal & General Inflation Protected Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current rate of inflation is well above the Bank of England’s target of 2% and is a major cause of concern for savers across the UK. We take a look at a recent new entrant to the market wh... Read more

Investment Focus: Meteor Income Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current economic environment is one of the most challenging ever seen and those that are feeling it most are savers and investors seeking an income from their capital. We take a look at one part... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 15 November 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

ISA Guide

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Looking for tax-efficient savings but not sure where to start or how much you can save? Our short guide to ISAs helps you make the most of your ISA. 
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Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Latest investment news

Top 10 reasons to consider Kick Out plans

Oliver Roylance-Smith / 07 February 2012

With the interest in Kick Out plans continuing to rise and the current market offering some of the highest rates ever from this type of investment, we give you 10 reasons which help to explain why K... Read more

Kick Out plans laid bare

Oliver Roylance-Smith / 07 February 2012

Kick Out plans were the real story of 2011, with a huge surge of interest that continues to keep pace. With such a wide variety of products available in the market, we take an in-depth look under th... Read more

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

Fixed Rate ISAs

Compare ISA deals...

Fixed rate ISAs offer tax-free investments that are guaranteed to have a specific interest rate over the course of a defined period.  Since the interest rate is fixed, you will know up-front exactly what you will earn over the lifetime of the ISA.

Compare some of the best ISA deals around at the moment with the tables below and maximise your tax-free savings allowance:

Fixed Rate Cash ISAs
ProviderAccountInterest Rate (AER)TermApply
4.20%5 YearsApply Now >
Cash ISA with a fixed rate of 4.20% AER for 5 years. £500 minimum balance. No withdrawals or additional deposits.
4.10%4 YearsApply Now >
Cash ISA with a fixed rate of 4.10% AER for 4 years. £500 minimum balance. No withdrawals or additional deposits.
up to
4.20%		3 YearsApply Now >
Earn 4.20% Gross/AER when you transfer in or 3.80% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed from other cash ISAs.
up to
4.20%		3 YearsApply Now >
Earn 4.20% Gross/AER when you transfer in, or 3.80% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed from other cash ISAs.
up to
3.90%		2 YearsApply Now >
Earn 3.90% Gross/AER when you transfer in or 3.50 standard rate. £1,000 minimum deposit. Transfers allowed.
up to
3.90%		2 YearsApply Now >
Earn 3.90% Gross/AER when you transfer in or 3.50% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed.
3.50%2 YearsApply Now >
Cash ISA with a fixed rate of 3.20% AER for 2 years. £500 minimum balance. No withdrawals or additional deposits.
up to
3.35%		1 YearApply Now >
Earn 3.35% when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other Cash ISAs.
up to
3.35%		1 YearApply Now >
Earn 3.35% Gross/AER when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other cash ISAs.
2.25%1 YearApply Now >
Cash ISA with a fixed rate of 2.25% AER for 1 year. £500 minimum balance. No withdrawals or deposits.
Fixed rate ISAs provide a guaranteed rate of return and reduce the need to worry about your savings performance over the time of the plan. However, if the Bank of England changes interest rates during the fixed term, there will be no impact on the rate on your ISA savings, up or down.

Fixed rate ISAs possess all the usual advantages of an Individual Savings Account:
  • No tax on income from the ISA
  • No tax on capital gains from the ISA

Some structured products, known as structured deposits may be classed as cash ISAs, and can offer potential for defined returns linked to the performance of an underlying index, such as the FTSE 100.

Structured products known as structured investments can offer fixed income payments, although the capital invested will be at risk as return of capital is generally dependent on the performance of an underlying index. 

Use the tables below to view structured investments and structured deposits, and to find out more:

Structured Income ISAs
 Product NameISA OptionIncome YieldMore Info
FTSE 100 Bonus Income Planyes7.50%
per annum		More Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.
Income Builder yes7.50%
per annum		More Info >
A 5 years and 3 weeks structured investment plan paying a potential maximum quarterly income of 1.875% (equivalent to 7.50% per year). Also available for Stocks & Shares ISA and ISA transfer.
FTSE Income Deposit Planyes7.25%
per annum		More Info >
A 6 year capital protected structured deposit plan with the potential to pay 7.25% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 


Structured Growth ISAs
 Product NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Plan Investec Versionyes13.50%
per annum		Up to
5 years		More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Bonus Growth Planyes12.50%
per annum		Up to 6 yearsMore Info >
6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer
Early Bonus Planyes11.00%
per annum		Up to 6 yearsMore Info >
A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.

The value of investments and any return from them can fall as well as rise and you may not get back the full amount invested. Please ensure that you read the Important Risk Information below. 

 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.

Investments in Stocks & Shares ISAs do not contain the same degree of capital security as investments in deposits. Stocks and shares ISAs are designed as medium to long term investments of, for example, five years or more. 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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