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

Fair Investment Company

"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

 

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ISA Limits

Learn about ISA limits and use yours here...

See our free comparison table below for some of the latest deals and make the most of your ISA limits for the 2012/13 tax year from April 6th 2012 - £11,280 in total, of which £5,640 can be in a cash ISA and the remainder in a stocks and shares ISA, or it can all be invested in stocks and shares.

Structured Income ISAs
 Product NameISA OptionIncome YieldMore Info
Income Builder Plusyes8.40%
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.
FTSE 100 Bonus Income Planyes7.50%
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.
Income Deposit Planyes7.00%
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.

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 NameISA OptionMaximum Potential ReturnTermMore Info
FTSE 100 Enhanced Kick Out Plan Investec Versionyes13%
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.
FTSE Defensive Bonus Planyes9.50%
per annum		Up to 6 yearsMore 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
Early Bonus Planyes9%
per annum		Up to 6 yearsMore 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.

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. 

Fund ISAs for income
 Product NameISA OptionIncome YieldMore Info
Invesco Perpetual Monthly Income Plusyes7.01%More 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 Higher Incomeyes7.02%More Info >
Income Paid Quarterly. The objective of the Fund is to achieve increasing distributions on a calendar year basis with long term capital growth. The Fund may also invest in collective investment schemes. See latest fund factsheet for details.
Invesco Perpetual Distributionyes6.70%More Info >
Income Paid Monthly. Invesco Perpetual Distribution offers a balance between both income and capital growth through investment in UK based equities and fixed interest securities. See latest fund factsheet for details.
*Current Income Yields are Gross, Variable and Not Guaranteed
**Historic Yield reflects distributions declared over the past 12 months as a percentage of the mid-market price of the fund.
*** This is the target yield the fund aims to achieve per year, it is not guaranteed and could change according to prevailing market conditions. The target yield is net of basic rate tax.
Information correct as at 08/02/2012.

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. 

ISA limits can change with each tax year, depending on what the Treasury decides. From April 6th 2011 the ISA limits have increased each year in line with inflation. ISA limits allow you to shelter a certain amount of the interest you earn from your savings and investment from the taxman. You can only pay up to the ISA limits into an ISA each year, but this can really build up if you make the most of your ISA allowance and you could be earning interest tax-free.

Take advantage of the tax-efficient ISA limits by comparing ISAs with our free service.

 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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