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

What Our Clients Say About Us

"I really do appreciate the level of service and responsiveness Fair Investment Company provided. Big banks ought to learn from that."
Mr Gioan, West Midlands

"Your factsheets are wonderful – informative, concise, unambiguous – an absolute delight. Fair Investment have fulfilled a one shop stop in my wants list and have no desire to wander!"
Mr Johnson, Powys

"Our dealings with Fair Investment have been excellent – our accounts were set up much more quickly than with traditional institutions, and we are already feeling the benefit of increased interest income."
Richard Pendlebury MBE and charity trustee

More Testimonials »

Fixed Return Structured ISAs

Fixed return structured ISAs are a type of ISA investment offering tax-free returns from investing in a structured investment paying a set level of interest within an ISA wrapper. A fixed return structured ISA may provide the potential for a defined level of income or capital growth. This may be a capital protected product with safeguards on the initial capital invested, or it could be a capital at risk product.

The return on structured ISAs may not be guaranteed, and may be dependent on the performance of an underlying index, such as the FTSE 100. See details for individual products for more information.

See the table below for examples of the fixed return structured ISAs currently available through Fair Investment:

Structured Income ISAs

Product Name	Income Yield	More Info
Income Builder Plus	8.40% per annum	More Info >
A 5 year structured investment plan paying a potential maximum quarterly income of 2.10% (equivalent to 8.40% per year). Also available for Stocks & Shares ISA and ISA transfer.		More Info >
FTSE 100 Bonus Income Plan	7.50% 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.		More Info >
Income Deposit Plan	7.00% per annum	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 >

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 Name	Maximum Potential Return	Term	More Info
FTSE 100 Enhanced Kick Out Plan Investec Version	13% 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% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Defensive Bonus Plan	9.50% per annum	Up to 6 years	More Info >
6 year structured investment plan with the potential to mature early, returning the greater of 9.50% 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			More Info >
Early Bonus Plan	9% per annum	Up to 6 years	More Info >
A 6 year structured investment plan with the potential to mature early, paying 9% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Deposit Kick Out	9.50% per annum	Up to 6 years	More Info >
A 6 year structured deposit plan with the potential to mature early, paying 9.50% for every year the plan is in place. Also available for Cash ISA and ISA transfer.			More Info >
FTSE 5 Quarterly Defensive Plan	4.50% per quarter	5 Years	More Info >
A 5 year structured investment plan with the potential to return 4.50% x the number of quarters the Plan has been active.			More Info >
FTSE Booster Plan	60%	6 years	More Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Geared Returns Plan	80%	5 years	More Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Growth Plan	60%	5 years	More Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Accelerated Growth Plan	No limit	5 years	More Info >
5 year structured investment plan with the potential to return 2.5 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Protected Growth Plan	35%	6 years	More Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and 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 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 >
Annual Locked-In Return Plan	39%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 6.50% annual growth capped at 39%. 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 >

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.

Compare fixed rate cash ISAs:

Fixed Rate ISAs

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.