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

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Investment Income

Find out more about investment income...

Investment income products allow you to receive regular returns from your investments and for those who are looking to boost their current income or considering how they will fund their retirement, this could be the investment solution for you.

There are several types of products that can provide an investment income including, savings accounts, equity income funds, fixed interest securities, property investment, pension plans and much more.

To see a range of investment income products, check out the table below:

Growth Structured Deposits

Charity Structured Deposit Plans

Structured Deposits

Income Structured Deposits

Growth Structured Investment Plans

Most Popular Growth Investment Plans

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% 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
	Deposit Kick Out	Royal Bank of Scotland plc	Up to 6 years	9.50% per annum	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available as a Cash ISA & for Cash ISA transfers Also available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Plan	Royal Bank of Scotland plc	6 Years	7.60% per annum	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Growth is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% 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 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 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 Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% 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 Plan	Santander UK plc	6 years	40%	More Info >
6 year structured deposit plan Capital protected 4 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 Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.5% 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		6 years	35%	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.

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Deposit Kick Out	Royal Bank of Scotland plc	Up to 6 years	9.50% per annum	More Info >
Structured deposit plan with a term of up to 6 years Capital protected Available to businesses, charities and trusts Returns linked to the performance of 5 FTSE 100 Companies Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% per annum	More Info >
5 year structured deposit plan Capital protected Potential for early maturity after years 2,3 and 4 Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Growth Deposit Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% or if greater 1 x any FTSE 100 growth (capped at 50%) Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Enhanced Growth Plan	Santander UK plc	5 years	40%	More Info >
6 year structured deposit plan Capital protected 4 x any rise in the FTSE 100 capped at 40% Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Annual Locked-In Return Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.50% potential annual return Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 x FTSE 100 growth Available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	FTSE 100 3 Year Deposit Plan	Investec Bank plc	3 years	17.25%	More Info >
3 year structured deposit plan Capital protected Target return of 17.25% 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
	Income Deposit Plan	Royal Bank of Scotland plc	6 Years	7.00% per annum	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed
	FTSE 100 Kick Out Deposit Plan - Option 2	Investec Bank plc	Up to 5 years	6.00% 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 Deposit Growth Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured deposit plan Capital protected Potential to return 1.05 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 Bond	Cater Allen	6 years	50%	More Info >
6 year structured deposit plan Capital protected Target return of 9.00% 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
	Annual Locked-In Return Plan	Santander UK plc	6 years	39%	More Info >
6 year structured deposit plan Capital protected 6.5% 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

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	Income Deposit Plan	Royal Bank of Scotland plc		6 Years	7.00% per annum	More Info >
6 year structured deposit plan Capital protected Available for Cash ISA & Cash ISA transfers Also available to businesses, charities and trusts Income is not guaranteed Plan designed to be held for full term May close early if oversubscribed

Income Deposit Plan

Royal Bank of Scotland plc

6 Years

7.00%
per annum

More Info >

6 year structured deposit plan
Capital protected
Available for Cash ISA & Cash ISA transfers
Also available to businesses, charities and trusts

Income is not guaranteed
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.

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc	Up to 5 years	13% 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 Defensive Bonus Plan	Morgan Stanley	Up to 6 years	9.50% per annum	More Info >
6 year structured investment plan Potential early maturity return of 9.50% 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
	Early Bonus Plan	Abbey National Treasury Services plc	Up to 6 years	9% 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 Plan	Royal Bank of Scotland	5 Years	4.50% 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 Plan	Morgan Stanley	6 years	60%	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 Best Entry Growth Plan		6 years	100%	More Info >
6 year structured investment plan Growth return of 5 x any positive growth in the FTSE (maximum return of 100%) ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Returns linked to performance of FTSE 100 Index Plan designed to be held for full term
	FTSE 100 Geared Returns Plan	Investec Bank plc	5 years	80%	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 Plan	Abbey National Treasury Services plc	5 years	60%	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 Plan	Investec Bank plc	5 years	No limit	More Info >
5 year structured investment plan Returns 2.5 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
	FTSE Protected Growth Plan	Morgan Stanley	6 years	35%	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 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.

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc	Up to 5 years	13% 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 Defensive Bonus Plan	Morgan Stanley	Up to 6 years	9.50% per annum	More Info >
6 year structured investment plan Potential early maturity return of 9.50% 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
	FTSE Booster Plan	Morgan Stanley	6 years	60%	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 Protected Growth Plan	Morgan Stanley	6 years	35%	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
	FTSE 100 Geared Returns Plan	Investec Bank plc	5 years	80%	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

Depending on your financial circumstances, an investment which provides an income may or may not be the investment you have been searching for. See the information below to help you make a more informed decision about whether this type of investment is right for you.

· Income from investments could help to supplement your earnings

· Income investments could provide you with an income during retirement

To help you make a more informed decision about whether an investment providing a regular income is the right type of fund for you, compare a range of products from leading fund managers in our comparison tables – Simply click on the link below to start comparing.

Alternatively, discuss any questions you may have with an independent financial adviser – Just fill in the form through the link below for comprehensive, no obligation advice.

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.