Compare Investment ISAs

Oliver Roylance-Smith, Director "Here is our selection of investment ISAs including high yield income ISAs, growth plans, and our leading fund supermarket with its range of fund selections – all available within an investment ISA. This area is designed to help you make the best use of your new ISA allowance of £15,000. We source investment ideas from fund groups and investment banks for you to consider. Please use the tables below to find the right investment ISA deal for you."
Oliver Roylance-Smith, Head of Savings & Investments
Investing for Fixed Income
ProviderPlan NameCounterpartyISA OptionTermIncome YieldMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes6 years5.4%
fixed income per annum
More Info >
  • 5.4% income paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 24 October 2014
  • Investment deadline for direct and NISA - 7 November 2014
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 5 Monthly Income PlanMorgan Stanley BVyes6 years7.2%
fixed income per annum
More Info >
  • 7.2% fixed income paid regardless of the performance of five FTSE 100 shares
  • Monthly income
  • Available for NISA, NISA transfer and direct investment 
  • Investment deadline for NISA transfers - 22 October 2014
  • Investment deadline for direct and NISA by cheque - 30 October 2014 
  • Investment deadline for direct and NISA by bank transfer - 5 November 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at the end of the term, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
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.

Investing for Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 4 Quarterly Income PlanCredit Suisse AGyes
6 years
9%
per annum
More Info >
  • Up to 9% per year based on four FTSE 100 shares staying above 60% of their opening values
  • Quarterly payments
  • Available for NISA, NISA transfer and direct (non-NISA) investment
  • Investment deadline NISA transfers - 13 October 2014
  • Investment deadline for direct and NISA by cheque - 21 October 2014
  • Investment deadline for direct and NISA by bank transfer - 27 October 2014
  • Capital is at risk if one or more shares has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall of the lowest performing share
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
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.

Growth Investment ISAs
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years
10.25%
per annum
More Info >
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 10.25% times the number of years the plan has been in force. Also available for Stocks & Shares NISA and NISA transfer.
UK Growth PlanAviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plcyes6 years10 x FTSE
(60% cap)
More Info >
6 year structured investment plan which aims to return 10 x FTSE 100 growth, capped at 60%. Also available for Stock & Shares NISA and NISA transfer.
FTSE Defensive Supertracker PlanMorgan Stanleyyes6 years62%More Info >
6 year structured investment plan which aims to return 3.1 x FTSE 100 growth above 90% of inital level, capped at 62%. Also available for Stock & Shares ISA and ISA transfer.
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.


Select Income Funds
Fund ManagerFundFund Manager Initial Charge¹AMC³Income Yield*Select Fund°Fact SheetApply Now
Kames High Yield Bond0%0.75%5.24%yesFactsheetMore Info >
Income Paid Monthly. The primary investment objective is to maximise total return(income plus capital) by investing in a portfolio of predominately high yield bonds, selected investment grade bonds and cash. The fund may hold sterling and other currency denominated bonds hedged back to sterling. The fund may also invest in deposits, money market instruments, derivative instruments and forward transactions. See latest fund factsheet for details.
Invesco Perpetual Monthly Income Plus0%0.63%4.60%yesFactsheetMore Info >
Income Paid Monthly. Popular income fund that aims to achieve a high level of income whilst seeking to maximise total return through investing in high yielding corporate and Government bonds, together with UK equities. See latest fund factsheet for details.
Newton Asian Income0%0.75%5.43%yesFactsheetMore Info >
Income Paid Quarterly.The objective of the Sub-Fund is to achieve income together with long-term capital growth predominantly through investments in securities in Asia Pacific ex Japan (including Australia & New Zealand) region. The Sub-Fund may also invest in collective investment schemes. See latest fund factsheet for details.

*Current Income Yields are Gross, Variable and Not Guaranteed as at 17/10/13 - Yields are rounded down to one decimal place - See latest Fund Factsheet for details.

³AMC is the Annual Management Charge applied by the Fund Manager. 

°Select Fund - See how our funds are selected

 

Bonds: To provide the potential for overall returns these funds invest in bonds, also known as fixed interest securities. This is achieved by receiving regular interest on loans to companies or governments. There is a chance the bond issuer could fall into financial difficulty and will not be able to pay the interest or the loan back, which could result in a fall in your investment returns. Bonds can also be sensitive to trends in interest rate movements and if interest rates go up, the returns on your investment are likely to fall as bonds can become less attractive. On the other hand, if interest rates fall, bonds are likely to become more attractive and your investment returns increase.

Compare and find investment ISAs


 

To find the best investment ISAs for your needs, we suggest that you compare a wide range of options, including our selections. Whether you're looking for growth or income, you can find an ISA that fits your investment strategy.

 

What is an investment ISA?

Unlike a cash ISA - which is a straightforward tax-free savings account - an investment ISA allows you to invest money up to a certain amount without paying tax. This runs from 6th April each year, and as of1st July 2014 the full individual ISA allowance has been set at £15,000. A investment ISA allows you invest your tax-free allowance without paying tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.


You have a variety of options when it comes to using your investment ISA allowance. You can:

 

  • Invest your full ISA allowance of £15,000 in an investment ISA. 
  • Put some of your allowance into a cash ISA, and the remaining balance in a investment ISA, in whatever proportion you wish
  • Use your investment ISA allowance for shares - excluding shares traded on the Alternative Investment Market (AIM) - unit trusts, investment trusts, open-ended investment companies (OEICs), life insurance policies, corporate bonds, and gilts.

 

Choosing an investment ISA


An investment ISA, as with all investments, involves an element of risk, so it's important that you're in a sufficiently stable financial position.

 

Before you open an investment ISA, make sure that:

 

  • Your debts are under control - you've either paid them off or have affordable arrangements in place to do so. 
  • You have emergency savings that you can access easily if something unexpected occurs - if your car breaks down or you're made redundant, you'll need savings that you can use straight away.


If you're very new to saving and don't yet have a basic emergency fund, you may find that a cash ISA is more suitable for you at this stage. Once you've built up some accessible savings in this way, you might then want to consider an investment ISA, too.


 

Investment ISA tips

 

  • You should be prepared to invest for the medium to long term with a investment ISA - for example, for five years or more.
  • If you think you might require access to your cash in the next couple of years, a investment ISA may not be the right choice for you. Share prices can be very variable - especially in the current financial climate - and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with. 
  • Different investment ISAs have different investment options. These range from £50 per month (e.g. through a fund) to a specified minimum investment (e.g. £1,000).
  • Some ISA providers will give you online access to your account, allowing you to see the investment performance of your ISA and keep up to date with any charges incurred. 
  • If your investment ISA isn't performing as well as you'd like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash. 
  • You can transfer shares you get from an HMRC-approved SAYE (save as you earn) scheme run by your employer, or a share incentive plan, into a investment component of an ISA without incurring capital gains tax, up to your annual ISA allowance.
  • You will not be able to transfer any existing non-ISA shares, or shares you've inherited, into an investment ISA. 
  • With an investment ISA, there is greater long-term growth potential than a cash ISA - however, bear in mind that the value of your investment can go down as well as up. 
  • If you have an investment ISA from a previous tax year, you're permitted to move this into a current investment ISA or split it between more than one investment ISA. 
  • If you want to open a junior ISA for your child, you can also invest in investment on their behalf up to a maximum of £4,000.
Select Growth Funds
Fund ManagerFundFund Manager Initial Charge¹AMC³Select Fund°Fact SheetApply Now
BlackRock Gold & General0%1.00%yesFactsheetMore Info >
This is a specialist unit trust which aims to achieve long term capital growth by investing in gold mining and precious metal-related shares. It tends to be volatile and is particularly suitable for diversification in a larger portfolio. See latest fund factsheet for details.

³AMC is the Annual Management Charge applied by the Fund Manager. 

°Select Fund - See how our funds are selected

 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.