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

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

ISA Transfer

Transferring your ISAs

ISA transfers could be for you if you are unhappy with the returns you are currently receiving from your ISAs. The type of ISA transfer that you choose will depend on your circumstances, but there are two types of ISA transfer:

Cash ISA Transfers Stocks & Shares ISA Transfers

Compare a range of investment ISAs currently available for transfers using the tables and see more information about making an ISA transfer below the tables:

ISA Transfer Options - Growth Structured Deposit Plans

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	Inflation Protected Deposit Bond	Royal Bank of Scotland plc	5 years	RPI Tracker	More Info >
5 year structured deposit plan Capital protected 100% any growth in RPI (no cap) with a minimum return of 16% Plan designed to be held for full term May close early if oversubscribed
	FTSE Income Deposit Plan	Royal Bank of Scotland plc	6 Years	7.25% 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 3 Year Deposit Plan	Investec Bank plc	3 years	19%	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 2	Investec Bank plc	Up 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 1	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 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
	Moneybuilder	Barclays plc	6 years	5.75% 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 Plan	Investec Bank plc	5 years	No limit	More 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 Bond	Royal Bank of Scotland plc	6 years	50%	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 Plan	Santander UK plc	6 years	40%	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 Plan	Santander UK plc	6 years	36%	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

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.

ISA Transfer Options - Income Structured Deposit Plans

Provider	Plan Name	Deposit Taker	ISA Option	Term	Maximum Potential Return	More Info
	FTSE Income Deposit Plan	Royal Bank of Scotland plc		6 Years	7.25% 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 Income Deposit Plan

Royal Bank of Scotland plc

6 Years

7.25%
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.

ISA Transfer Options - Income Structured Investment Plans

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	FTSE 100 Bonus Income Plan	Investec Bank plc	5 years	7.50% 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
	Income Builder	Morgan Stanley	5 years	7.50% per annum	More Info >
5 year structured investment plan Potential maximum quarterly income of 1.875% (7.50% per year) ISA transfers allowed Capital at risk Income is not guaranteed Plan designed to be held for full term
	FTSE Income Plan	Morgan Stanley	3 years	5.80% per annum	More Info >
3 year structured investment plan Fixed annual income of 5.80% Income paid quarterly Capital at risk Not available for ISA investment 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.

ISA Transfer Options - Growth Structured Deposit Plans

Provider	Plan Name	Deposit Taker	Term	Maximum Potential Return	More Info
	Inflation Protected Deposit Bond	Royal Bank of Scotland plc	5 years	RPI 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 plc	3 years	19%	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 2	Investec Bank plc	Up 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 1	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 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
	Moneybuilder	Barclays plc	6 years	5.75% 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 Plan	Investec Bank plc	5 years	No limit	More 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 Bond	Royal Bank of Scotland plc	6 years	50%	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 Plan	Santander UK plc	6 years	40%	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 Plan	Santander UK plc	6 years	36%	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		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

ISA Transfer Options - Growth Structured Investment Plans

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	13.50% 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 Plan	Morgan Stanley	Up to 6 years	12.50% 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 Fund	6 institutions	Up to 6 years	11.00% 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 Plan	Abbey National Treasury Services plc	Up to 6 years	11.00% 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 Plan	Royal Bank of Scotland	5 Years	4.25% 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 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 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 2.2 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

ISA Transfer Options - Income Investment Funds

Product Name	Income Yield	More Info
Monthly Income Plus Fund	7.50%*	More Info >
Popular monthly 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. 100% discount on initial charges. Click here to view latest Fund Facts »		More Info >
Higher Income Fund	7.05%**	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. 100% discount on initial charges. Click here to view latest Fund Facts »		More Info >
Distribution Fund	6.98%*	More Info >
Income Paid Monthly. Offers balance between both income and capital growth through investment in UK based equities and fixed interest securities. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Income Maximiser	7.00%***	More Info >
Seeks to achieve a target yield of 7% to generate a quarterly income, whilst offering the potential for some long-term capital growth. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Strategic Bond	6.20%*	More Info >
Investing in higher yielding assets which will include most types of fixed interest securities, this fund aims to deliver a quarterly income to investors. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Corporate Bond Fund	5.63%*	More Info >
Invests mainly in fixed interest securities to achieve a high level of income will relative capital security. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Global Equity Income Fund	4.56%**	More Info >
Equity and equity related investments across global markets aiming to provide income and growth. Save 100% on initial charges. Click here to view latest Fund Facts »		More Info >
Optimal Income Fund	4.55%*	More Info >
Invests across a number of bonds to generate an optimised income that is paid biannually. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Strategic Bond Fund	4.48%*	More Info >
Aims to deliver a maximum total return for investors through investment in global debt instruments. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Income Fund	4.60%**	More Info >
Market leading equity income fund that delivers and income which is paid biannually. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
UK Income Fund	4.01%**	More Info >
Aims to provide an above average and growing income that is paid quarterly. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
Income Fund	3.91%**	More Info >
Aims to achieve a competitive level of income together with some capital growth by investing in UK based shares. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >
High Income Fund	3.90%**	More Info >
Popular with investors, this fund aims to deliver a high level of income combined with capital growth by investing primarily in UK based companies. Save 100% on Initial Charges. Click here to view latest Fund Facts »		More Info >

See more investment funds

*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 Transfer Options - Growth Investment Funds

Fund	Sector	Factsheet	More info
Emerging Markets Fund	Global Emerging Markets	Factsheet	More Info >
Aims to provide long-term capital growth through investing in global emerging stock markets. Save 100% on Initial Charges.			More Info >
Gold & General Fund	Specialist	Factsheet	More Info >
Specialist growth fund that invests in gold, mining and precious metal related shares. Save 100% on Initial Charges.			More Info >
Ecology Fund	Global Growth	Factsheet	More Info >
A socially responsible fund that primarily acts as a growth fund, but also aims to provide a growing income return. Save 100% on Initial Charges.			More Info >
UK Equity Fund	UK All Companies	Factsheet	More Info >
A growth fund that aims to provide a maximised total return by investing principally in UK equities. Save 100% on Initial Charges.			More Info >
South East Asia Fund	Asia Pacific	Factsheet	More Info >
Capital growth fund which invests in companies located in the Pacific Basin, excluding Japan. Save 100% on Initial Charges.			More Info >
UK Smaller Companies Fund	UK Smaller Companies	Factsheet	More Info >
Invests in smaller companies listed on the UK stock market, aiming to achive long term growth. Save 100% on intial charges.			More Info >

See more growth funds

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.

If you're unhappy with the rate you are receiving on your current ISA, transferring is generally straightforward.

There may be charges associated with transferring out of an investment and some ISAs may not allow transfers. You should check the details of your existing ISA and new ISA before continuing with an ISA transfer.

You can transfer a current year ISA subscription and related income, and/or part of a previous years' ISA savings and related income.

If you have a low yielding cash ISA you can move it to another cash ISA provider offering a better rate or you can transfer to a stocks and shares ISA – which carries more risk, but has the potential for a higher return over the longer term.

If you do transfer from a cash ISA to stocks and shares ISA it will be treated as always being a stocks and shares ISA, meaning you can save into a cash ISA during he same tax year, as long as you haven't invested the full, current ISA allowance.

It is not possible to transfer from a stocks and shares ISA to a cash ISA.

Check the terms and conditions of ISA products for details on transfer or contact your provider for more information.

Click below to compare cash ISA deals for cash ISA transfers:

Cash ISAs

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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