Investment Focus

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

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

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 20 September 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

Best Income Structured Investment Plans

We have chosen the income structured investments in the table below because we believe they offer an interesting income opportunity. They offer a fixed level of income, with the return of your capital dependent on the performance of the FTSE 100 Index.

There are annual and monthly options, so you can choose how your income is paid. Both are also available as stocks and shares ISAs, and offer an interesting alternative to traditional investment funds, particularly while dividend income remains uncertain:

Investing for Income - Structured Investment Plans
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.

 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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