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

Growth ISAs

Compare ISAs for Investment Growth

ISAs or Individual Savings accounts are designed to provide a tax efficient wrapper for your cash or investment savings. If you are looking to invest for growth and you are considering stockmarket investment then you have a range of options depending on your attitude to investment risk.

 

See below for a range of different investment vehicles which all allow you to invest within an ISA.

Growth ISAs - Structured Investment Plans
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out Plan Investec VersionInvestec Bank plcyesUp to
5 years		13.50%
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 Bonus Growth PlanMorgan StanleyyesUp to 6 years12.50%
per annum		More Info >
  • 6 year structured investment plan
  • Potential early maturity return of 12.5% 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
Investors Defined Growth Fund6 institutionsyesUp to 6 years11.00%
per annum		More Info >
  • 6 year structured investment plan
  • Potential for early maturity after years 1, 2, 3, 4, and 5
  • 11% x the number of years the plan is in place
  • Additional protection feature diversifies counterparty risk across 6 institutions
  • Available as a stocks and shares ISA and for ISA transfers
  • 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 years11.00%
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
FTSE 5 Quarterly Defensive PlanRoyal Bank of Scotlandyes5 Years4.25%
per quarter		More Info >
  • 5 year structured investment plan
  • Available as a stocks and shares ISA
  • 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
FTSE Booster PlanMorgan Stanleyyes6 years60%More Info >
  • 6 year structured investment plan
  • Potential defined return of 60% - even if the FTSE 100 falls by up to 20%
  • 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
FTSE 100 Geared Returns PlanInvestec Bank plcyes5 years80%More Info >
  • 5 year structured investment plan
  • Potential defined return of 80%
  • 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
Growth PlanAbbey National Treasury Services plcyes5 years60%More Info >
  • 5 year structured investment plan
  • Potential defined return of 60%
  • Available for ISA transfers
  • Also available to businesses, charities and trusts
  • Capital at risk
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Accelerated Growth PlanInvestec Bank plcyes5 yearsNo limitMore Info >
  • 5 year structured investment plan
  • Returns 2.2 x any potential FTSE 100 growth
  • 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
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.
You can invest in a wide range of funds through Fair Investment Company offering high levels of potential growth for your ISA investment.

Growth ISAs - Structured Deposit Plans
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
Inflation Protected Deposit BondRoyal Bank of Scotland plcyes5 yearsRPI Tracker More Info >
  • 5 year structured deposit plan
  • Capital protected
  • 100% any growth in RPI (no cap) with a minimum return of 16%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 3 Year Deposit Plan Investec Bank plcyes3 years19%More Info >
  • 3 year structured deposit plan
  • Capital protected
  • Target return of 19%
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 2Investec Bank plcyesUp to
5 years		6.25%
per annum		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Kick Out Deposit Plan - Option 1Investec Bank plcyesUp to
5 years		6.00%
per annum		More Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential for early maturity after years 1,2,3 and 4
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
MoneybuilderBarclays plcyes6 years5.75%
per annum		More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 5.75% potential annual growth
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE 100 Deposit Growth PlanInvestec Bank plcyes5 yearsNo limitMore Info >
  • 5 year structured deposit plan
  • Capital protected
  • Potential to return 1 x FTSE 100 growth
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Growth Deposit BondRoyal Bank of Scotland plcyes6 years50%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • Target return of 8.00% or if greater 1 x any FTSE 100 growth (capped at 50%)
  • Available as a Cash ISA & for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Enhanced Growth PlanSantander UK plcyes6 years40%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 5 x any rise in the FTSE 100 capped at 40%
  • Available as a Cash ISA & for Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Annual Locked-In Return PlanSantander UK plcyes6 years36%More Info >
  • 6 year structured deposit plan
  • Capital protected
  • 6% potential annual return
  • Available for Cash ISAs & Cash ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
FTSE Protected Growth Plan yes6 years35%More Info >
  • 6 year structured investment plan
  • Capital protected
  • Potential for early maturity growth return of 35%
  • Available for ISA transfers
  • Also available to businesses, charities and trusts
  • Plan designed to be held for full term
  • May close early if oversubscribed
Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

There are lots of different types of growth ISAs on the market, including:

  • Self select stocks and shares ISAs – take control of your share portfolio while protecting your growth from income tax and capital gains tax.
  • Ethical ISAs – invest in companies screened for ethical and environmentally friendly corporate behaviour
  • Investment trusts – use your ISA allowance to invest in an investment trust, often offering long-term growth through equity investments

Visit Stocks and Shares ISAs for more information.

Investments tend to outperform all other asset types, including cash, over the long term – if you invest in a growth ISA over a longer period, you could benefit from much higher returns.

 

 

Growth ISAs - Funds
Fund ManagerFundSectorFactsheetMore info
Recovery FundUK All CompaniesFactsheetMore Info >
Focuses on companies that are out of favour but have capital growth potential in the long-term. Save 100% on Initial Charges.
Emerging Markets FundGlobal Emerging MarketsFactsheetMore Info >
Aims to provide long-term capital growth through investing in global emerging stock markets. Save 100% on Initial Charges.
Gold & General FundSpecialistFactsheetMore Info >
Specialist growth fund that invests in gold, mining and precious metal related shares. Save 100% on Initial Charges.

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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