Mini Cash ISA Rates
Find out more about Cash ISAs...
Mini Cash ISA rates no longer exist because, as of April 6 2008, tax free savings rules changed and Mini Cash ISAs were replaced by Cash ISAs.
But the good news is, you can still shelter some of your savings from tax - up to £5,100 in a Cash ISA (2010/2011 tax year) - so compare some of the latest deals in the table below and apply:
| FTSE Income Plan |  | 6.75% pa* | |
| 6 year structured income plan with a fixed annual income return of 6.75% |
| Investec FTSE 100 Bonus Income Plan | | 6.50% pa* | |
| 5 year structured investment plan with annual or monthly income options. Potential for additional bonus payments. |
| 5 Year FTSE 100 Income Deposit Plan Option 2 | | 4.50% pa* | |
| 5 year capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer. |
| Schroders Monthly High Income Fund | | See Details | |
| The Schroder Monthly High Income Fund aims to generate a high income, whilst not compromising capital, by investing in a diversified basket of fixed income securities. 100% Discount off Initial Charges. |
| Invesco Perpetual Monthly Income Plus Fund ISA | | See Details | |
| 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. |
| Henderson Strategic Bond Fund | | See Details | |
| The aim of this fund is to deliver a quarterly income to investors by investing in higher yielding assets, which will include most types of fixed interest securities such as high yield bonds, investment grade bonds and government gilts, as well as having the ability to invest a proportion of the fund in equities. Income is paid to you quarterly. |
| Schroders Income Maximiser | | See details | |
| The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid to you quarterly. 100% Discount off Initial Charges. |
| Invesco Perpetual Corporate Bond ISA | | See details | |
| This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge. |
| Artemis Income ISA | | See details | |
| One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Corporate Bond Fund ISA | | See details | |
| The Jupiter Corporate Bond aims to achieve a high level of income with the opportunity for capital growth, through mainly investing in fixed interest securities. Income is paid to you twice yearly. 87.5% Discount off the Standard Initial Fund Charge. |
| Invesco Perpetual High Income Fund ISA | | See details | |
| One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. |
| M&G Corporate Bond ISA | | See details | |
| The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Merlin Income Portfolio | | See details | |
| The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Fund Charge. |
* See details.
†† Income payments are dependent upon the FTSE 100 Index.
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Hide Disclaimer
| FTSE 100 Enhanced Kick Out Plan Investec Version | | £20,000 | |
| 5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 12% for every year that the plan is in force. |
| FTSE Bonus Growth Plan | | £3,000 | |
| 6 year structured investment plan offering the potential to mature after 1,2,3,4 or 5 years with a growth of 10% times the number years the plan was held. |
| RBS UK Growth Early Kick Out Plan | | £20,000 | |
| 5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10% for every year that the plan is in force. |
| FTSE 100 Enhanced Kick Out Plan Santander Version | | £1,500 | |
| Structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10.25% for every year that the plan is in force. |
| Defined Returns Annual (Kick-Out) Plan | | £20,000 | |
| A 6 year structured investment plan benefiting from an early maturity feature. The plan offers two options, one of which offers the potential to return 9.10% for every year the plan is in force. |
| FTSE 100 Kick Out Deposit Plan | | £1,500 | |
| Structured deposit plan with two options offering returns of up to 5.25% or 6% per year. Potential to kick out after 2,3,4 or 5,years depending on the option. |
| Target Growth Plan | | £20,000 | |
| A structured investment plan with a 3, 4 or 5 year option and a potential fixed return of up to 42%. |
| FTSE 100 5 Year Deposit Plan | | £1,500 | |
| This 5 year capital protected deposit plan offers a maximum return of 32.5% at maturity. |
| FTSE 100 3 Year Deposit Plan | | £1,500 | |
| This capital protected deposit plan offers a maximum return of 15% at maturity. |
| FTSE 100 Deposit Growth Plan | | £20,000 | |
| 5 year structured investment plan that aims to provide a full repayment of capital at the end of the five year term, plus 100% of any growth in the FTSE 100 after 5 years capped at 50%. |
| FTSE 100 Accelerated Growth Plan | | £20,000 | |
| 5 year structured investment plan that returns two times any growth in the FTSE 100 index over the investment term. |
| FTSE 100 Growth Plan | | £20,000 | |
| 5 year capital protected structured investment plan, with the potential to return 100% of any growth in the FTSE 100 over the 5 year term. |
| FTSE 100 Geared Returns Plan | | £20,000 | |
| 5 year structured investment plan with the potential to receive a defined return of 70%. |
| FTSE Kick Out Growth Plan | | £3,000 | |
| 6 year structured investment plan offers the opportunity to kick out after 3 years with a potential return of 50%. |
| FTSE Best Entry Growth Plan | | £3,000 | |
| 6 year structured investment plan offering 2 times any positive growth in the FTSE 100. |
| FTSE Protected Growth Plan | | £3,000 | |
| This 6 year structured investment plan offers a return of up to 15% with the potential to kick out after 3 years. |
| Target Growth Plan | | £20,000 | |
| A structured investment plan with a 3, 4 or 5 year option and a potential fixed return of up to 42%. |
| Jupiter Financial Opportunities Fund ISA | | From £50 Per Month | |
| A top performing fund that seeks to achieve long-term capital growth principally through investment in equities of financial sector companies on an international basis. |
| M&G Recovery Fund ISA | | From £50 Per Month | |
| The principle behind the fund is simple, but has proved highly effective – it focuses on corporate rather than economic recovery. To achieve this, the fund manager, Tom Dobell, scrutinises companies and identifies those he believes can recover regardless of economic conditions. |
| Artemis UK Special Situations Fund ISA | | From £50 Per Month | |
| The Artemis UK Special Situations Fund aims to achieve long-term capital growth by exploiting special situations. |
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Hide Disclaimer
| Aberdeen Emerging Markets Fund | | From £50 per month | |
Aims to provide long-term capital growth through investing in global emerging stock markets. Save 100% on Initial Charges.
Click here to view latest Fund Facts » |
| First State Asia Pacific Leaders Fund | | From £50 per month | |
A capital growth fund that invests in large and medium sized companies based Asia Pacific region, excluding Japan. Save up to 94% on Initial Charges.
Click here to view latest Fund Facts » |
| Black Rock Gold and General Fund ISA | | From £50 Per Month | |
The BlackRock Gold & General Fund aims to achieve long term capital growth by investing in gold, mining and precious metal related shares. 100% Discount on Initial Charge.
Click here to view latest Fund Facts » |
| JP Morgan Natural Resources Fund ISA | | From £50 Per Month | |
Aims to supply you with long term capital growth by investing in a portfolio of shares in worldwide companies engaged in the production and marketing of commodities.
Click here to view latest Fund Facts » |
| Allianz Bric All Stars Fund ISA | | From £50 Per Month | |
aims to achieve capital growth in the long term by investing mainly in the equity markets of Brazil, Russia, India and China.
Click here to view latest Fund Facts » |
| First State Greater China Growth Fund ISA | | From £50 Per Month | |
Aims to provide you with long term capital growth by investing in the shares of companies that were either established or have a predominant part of their economic activities in China, Hong Kong and Taiwan.
Click here to view latest Fund Facts » |
| Jupiter Ecology Fund ISA | | From £50 Per Month | |
Aims to achieve long-term capital appreciation together with a growing income consistent with a policy of promoting environmental and social change. Save up to 90% off initial charges.
Click here to view latest Fund Facts » |
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Hide Disclaimer
| Jupiter Ecology Fund | | From £50 Per Month | |
| The objective of the Fund is to achieve long-term capital appreciation together with a growing income consistent with a policy of protecting the environment. |
| Ecclesiastical Amity Sterling Bond | | From £25 Per Month | |
| This income fund with an attractive distribution yield pays income quarterly. Amity Fund Managers actively seek companies contributing to a safer, cleaner world - positive screening - rather than relying solely on negative screening of undesirable companies. |
| Schroders Global Climate Change Fund | | £1,000 or £50pm | |
| This fund seeks to identify companies that are benefiting from either mitigation of the impact of global climate change or adaptation to changes. Examples of companies that the fund might invest in include renewable energy solutions, such as solar and wind power as well as biofuel. |
| Ecclesiastical Amity International Fund | | From £25 Per Month | |
| The objective of this Fund is to achieve long term capital growth with a reasonable level of income primarily through a diversified portfolio of European equities. This Fund provides the opportunity to invest in European companies with strong socially responsible policies. |
| Jupiter Environmental Income ISA | | £50 Per Month | |
| The Fund aims to provide income and long-term capital growth through investment primarily in UK equities, focusing on good governance companies. |
| Virgin Money Climate Change Fund ISA | | From £500 Per Month | |
| Invest Online - ISA Option Only. The Virgin Climate Change ISA invests in Companies (mainly in the UK & Europe) who aim to drive profit growth |
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Hide Disclaimer
| Investec 5 Year FTSE 100 Income Deposit Plan ISA | 4.50%* pa | |
| 5 year structured capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer. |
| Halifax Cash ISA | 2.60% | |
| Variable rate of 2.60% AER paid annually - £1,000 minimum balance - 4 withdrawals allowed per year. |
| E-Cash ISA | 2.10% | |
| Instant access cash ISA open to new and existing customers. |
| Barclays Golden ISA | 2.08% | |
| Variable 2.08% AER includes a fixed rate bonus of 1.00% gross. Minimum Deposit £1 |
Exisiting customers only | Natwest E Cash ISA | up to 2.00% | |
| minimum deposit £1.00. Open to Natwest current account holders only. |
| Investec FTSE 100 3 Year Deposit Plan ISA | See Details | |
| This structured capital protected deposit plan offers a maximum return of 15% at maturity. |
| Investec FTSE 100 5 Year Deposit Plan ISA | See Details | |
| This 5 year structured capital protected deposit plan offers a maximum return of 32.5% at maturity. Available as Cash ISA and Cash ISA transfer. |
| HSBC E Cash ISA | 1.75% | |
| exclusively for HSBC Personal Banking Customers |
Existing customers only | RBS Instant Access Cash ISA | 0.55% - 2.00% | |
| ISA transfers are eligible for additional bonus interest payments. Tiered interest rates. 2.00% AER applied to deposits of £50K+. Open to RBS current account holders only. |
Existing customers only | Natwest Cash ISA | up to 2.00% | |
| Minimum deposit £1.00, rates from 0.50% - 2.00% AER. Open to Natwest current account holders only. |
* Income payments are dependent upon the FTSE 100 Index.
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
Hide Disclaimer
Previously, there were three types of ISA:
Mini Cash ISAs - Invest up to £3,000
Mini Stocks and Shares ISAs - Invest up to £4,000
Maxi ISAs - Invest up to £7,000; either put the entire amount into the 'stocks and shares' component or up to £3,000 into the 'cash' component and the rest in the 'stocks and shares' component
From the 2010/2011 tax year (6th April 2010) you can a total ISA allowance of £10,200, and there are now just two types of ISA:
Cash ISAs - Invest up to £5,100 per tax year
Stocks and Shares ISAs - Invest the remainder or all of your allowance
You can compare ISAs from some of the leading providers and find the one that is right for you by using the table, or click on the link below for more deals:
Investing for Income ISAs
| FTSE Income Plan | | 6.75% pa* | |
| 6 year structured income plan with a fixed annual income return of 6.75% |
| Investec FTSE 100 Bonus Income Plan | | 6.50% pa* | |
| 5 year structured investment plan with annual or monthly income options. Potential for additional bonus payments. |
| 5 Year FTSE 100 Income Deposit Plan Option 2 | | 4.50% pa* | |
| 5 year capital protected deposit plan with an annual yield of 4.50% or a monthly yield of 0.36%. The plan can be used for cash ISA investment or cash ISA transfer. |
| Schroders Monthly High Income Fund | | See Details | |
| The Schroder Monthly High Income Fund aims to generate a high income, whilst not compromising capital, by investing in a diversified basket of fixed income securities. 100% Discount off Initial Charges. |
| Invesco Perpetual Monthly Income Plus Fund ISA | | See Details | |
| 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. |
| Henderson Strategic Bond Fund | | See Details | |
| The aim of this fund is to deliver a quarterly income to investors by investing in higher yielding assets, which will include most types of fixed interest securities such as high yield bonds, investment grade bonds and government gilts, as well as having the ability to invest a proportion of the fund in equities. Income is paid to you quarterly. |
| Schroders Income Maximiser | | See details | |
| The Schroder Income Maximiser Fund ISA aims to deliver a target income yield of 7% pa, also providing potential capital growth. Income is paid to you quarterly. 100% Discount off Initial Charges. |
| Invesco Perpetual Corporate Bond ISA | | See details | |
| This highly popular fund aims to achieve a high level of overall return with relative security to capital. Income Paid to you twice yearly. Up to 100% Discount off the Standard Initial Fund Charge. |
| Artemis Income ISA | | See details | |
| One of the leading UK Equity Income Funds. The Fund managers hunt out companies with strong free cash flow and solid balance sheets. Income is paid to you twice yearly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Corporate Bond Fund ISA | | See details | |
| The Jupiter Corporate Bond aims to achieve a high level of income with the opportunity for capital growth, through mainly investing in fixed interest securities. Income is paid to you twice yearly. 87.5% Discount off the Standard Initial Fund Charge. |
| Invesco Perpetual High Income Fund ISA | | See details | |
| One of the UK's most popular income fund ISAs the Invesco Perpetual High Income has delivered consistently good long term returns through a variety of market conditions. Income is paid to you twice yearly. Up to a 100% Discount off the Standard Initial Fund Charge. |
| M&G Corporate Bond ISA | | See details | |
| The M&G Corporate Bond Fund is a conservative ‘blue chip’ sterling fund that aims to produce a higher return than UK government bonds. Income is Paid to you Quarterly. 100% Discount off the Standard Initial Fund Charge. |
| Jupiter Merlin Income Portfolio | | See details | |
| The Jupiter Merlin Income Portfolio fund aims to achieve a high and rising income with some potential for capital growth. Income Distributions are made to you quarterly. 95% Discount off the Standard Initial Fund Charge. |
* See details.
†† Income payments are dependent upon the FTSE 100 Index.
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
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Investing For Growth ISAs
| FTSE 100 Enhanced Kick Out Plan Investec Version | | £20,000 | |
| 5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 12% for every year that the plan is in force. |
| FTSE Bonus Growth Plan | | £3,000 | |
| 6 year structured investment plan offering the potential to mature after 1,2,3,4 or 5 years with a growth of 10% times the number years the plan was held. |
| RBS UK Growth Early Kick Out Plan | | £20,000 | |
| 5 year structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10% for every year that the plan is in force. |
| FTSE 100 Enhanced Kick Out Plan Santander Version | | £1,500 | |
| Structured investment plan benefiting from an early maturity feature. The plan offers the potential to return 10.25% for every year that the plan is in force. |
| Defined Returns Annual (Kick-Out) Plan | | £20,000 | |
| A 6 year structured investment plan benefiting from an early maturity feature. The plan offers two options, one of which offers the potential to return 9.10% for every year the plan is in force. |
| FTSE 100 Kick Out Deposit Plan | | £1,500 | |
| Structured deposit plan with two options offering returns of up to 5.25% or 6% per year. Potential to kick out after 2,3,4 or 5,years depending on the option. |
| Target Growth Plan | | £20,000 | |
| A structured investment plan with a 3, 4 or 5 year option and a potential fixed return of up to 42%. |
| FTSE 100 5 Year Deposit Plan | | £1,500 | |
| This 5 year capital protected deposit plan offers a maximum return of 32.5% at maturity. |
| FTSE 100 3 Year Deposit Plan | | £1,500 | |
| This capital protected deposit plan offers a maximum return of 15% at maturity. |
| FTSE 100 Deposit Growth Plan | | £20,000 | |
| 5 year structured investment plan that aims to provide a full repayment of capital at the end of the five year term, plus 100% of any growth in the FTSE 100 after 5 years capped at 50%. |
| FTSE 100 Accelerated Growth Plan | | £20,000 | |
| 5 year structured investment plan that returns two times any growth in the FTSE 100 index over the investment term. |
| FTSE 100 Growth Plan | | £20,000 | |
| 5 year capital protected structured investment plan, with the potential to return 100% of any growth in the FTSE 100 over the 5 year term. |
| FTSE 100 Geared Returns Plan | | £20,000 | |
| 5 year structured investment plan with the potential to receive a defined return of 70%. |
| FTSE Kick Out Growth Plan | | £3,000 | |
| 6 year structured investment plan offers the opportunity to kick out after 3 years with a potential return of 50%. |
| FTSE Best Entry Growth Plan | | £3,000 | |
| 6 year structured investment plan offering 2 times any positive growth in the FTSE 100. |
| FTSE Protected Growth Plan | | £3,000 | |
| This 6 year structured investment plan offers a return of up to 15% with the potential to kick out after 3 years. |
| Target Growth Plan | | £20,000 | |
| A structured investment plan with a 3, 4 or 5 year option and a potential fixed return of up to 42%. |
| Jupiter Financial Opportunities Fund ISA | | From £50 Per Month | |
| A top performing fund that seeks to achieve long-term capital growth principally through investment in equities of financial sector companies on an international basis. |
| M&G Recovery Fund ISA | | From £50 Per Month | |
| The principle behind the fund is simple, but has proved highly effective – it focuses on corporate rather than economic recovery. To achieve this, the fund manager, Tom Dobell, scrutinises companies and identifies those he believes can recover regardless of economic conditions. |
| Artemis UK Special Situations Fund ISA | | From £50 Per Month | |
| The Artemis UK Special Situations Fund aims to achieve long-term capital growth by exploiting special situations. |
Disclaimer (Please Read)
General risk warnings
- The list of funds/investments provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on a “non-advised sale” basis.
- Full details of the investments will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of the investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
Collective investments
- Collective investments such as unit trusts are designed as medium to long term investments, for example at least five years.
- The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
- Any income yield quoted is correct at the time of going to press. Income yields vary and are only estimates. The actual dividend income that you receive will depend upon the income payable by the underlying assets of the fund and could change, either up or down, at any time. Dividend income from an ISA will, under current legislation, be free of UK income tax. Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
- If you choose a fund which invests overseas, there is the addition of “exchange rate” risk which could reduce any gains or increase losses if the currency moves against you.
- Dividend income paid from a fund not held within an ISA will be subject to income tax, which may or may not be reclaimable depending upon your circumstances and the type of investment. In some cases, there may be additional income tax to pay.
Structured Products
- Structured Products are fixed term investments and are designed so that your capital remains invested for the full term of the plan. Although it may be possible to encash your investment before the end of the term, this could mean that an early encashment charge is applied and you may not get back the full amount of your capital.
- An investment termed as a “capital guaranteed structured product” is one where the return of your capital at maturity is not dependent upon the performance of an index or another financial instrument
- An investment termed as a “capital at risk structured product” is one where the return of your capital at maturity is dependent upon the performance of an index or another financial instrument.
Specific ISA warnings
- 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.
- Dividend income from a stocks and shares ISA will, under current legislation, be free of further liability to UK income tax whether this is paid out or automatically reinvested.
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All Mini Cash ISAs and the 'cash' components of Maxi ISAs have automatically been reclassified as Cash ISAs, while Mini Stocks and Shares ISAs and the stocks and shares components of Maxi ISAs have automatically been reclassified as Stocks and Shares ISAs. You may now invest into both a Cash ISA and a Stocks and Shares ISA during one tax year, as long as you do not put more than £3,600 into the Cash ISA, and the combined investment between the two ISAs does not exceed £7,200.
Mini Cash ISA rates were tiered, so the higher your investment, the higher the return will be and worked in much the same way as a standard savings account but are tax-free. Cash ISAs work in the same way, and rates will be similar to the Mini Cash ISA rates of last tax year.
Because interest rates and other factors vary from one provider to the next, if you want to find the best Cash ISA rates then it is important to shop around.
Please bear in mind that:
Investment ISAs are designed as medium to long term investments, for example at least five years.
The value of your investment and the level of any income received from it can fall as well as rise and is not guaranteed and you may not get back the amount of your original investment.
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.
If you choose an index-tracking trust which invests overseas, exchange rate variations may cause the value of your investment to increase or decrease.
If you unsure what Investment ISA plan is right for you speak to an independent investment adviser.