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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ISAs For Over 50s

Compare investment ISAs for the over 50s...

If you're looking for investment ISAs for over 50s, you can choose from some of the best deals available using our hand-picked selections in the tables below.

Compare a range of leading investment ISA deals, including income and growth options, and a selection of funds:

Investment ISAs - Income

Provider	Plan Name	Counterparty	Term	Maximum Potential Return	More Info
	Income Builder Plus	Morgan Stanley	5 years	8.40% 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 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

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.

Investment ISAs - Growth

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

Fund ISAs - Income

Product Name	Income Yield	More Info
Invesco Perpetual Monthly Income Plus	7.01%	More Info >
Newton Higher Income	7.02%	More Info >
Invesco Perpetual Distribution	6.70%	More Info >
Schroders Income Maximiser	6.27%	More Info >
Henderson Strategic Bond	5.90%	More Info >
Invesco Perpetual Corporate Bond	5.54%	More Info >
Global Equity Income Fund	4.56%**	More Info >
M&G Optimal Income	4.67%	More Info >
Strategic Bond	4.42%	More Info >
Artemis Income	4.50%	More Info >
UK Income Fund	4.30%	More Info >
Invesco Perpetual Income	3.63%	More Info >
Invesco Perpetual High Income Fund	3.87%	More Info >

*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.

Over 50s were able to invest more into an ISA from October 2009, until the allowances were increased for all eligible saves in 2010. They are now the same.

Over 50s may have different requirements when it comes to saving, such as a need to maximise savings for retirement or looking for income from investments.

ISAs for the over 50s allow you to protect some of your savings from the taxman, meaning that you don't have to pay capital gains or any other tax on the interest your money earns. Largely the same as for other savers, ISAs for over 50s can be used for a variety of investment aims, such as growth or income.

ISA savers over 50 may also have different considerations about the risk they are willing to take with investments. By keeping some ISA savings in cash and some in stocks and shares ISAs you can diversify your investment portfolio. Cash ISAs will offer greater security for capital, while stocks and shares ISAs generally offer higher potential returns but greater risk to capital. Investments in stocks and shares ISAs and any income from them may fall as well as rise.

Cash ISAs

Stocks and Shares 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. 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.