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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"I really do appreciate the level of service and responsiveness Fair Investment Company provided. Big banks ought to learn from that."
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Structured Plans

"We believe that structured investments can play an important role in your investment portfolio, especially while interest rates are at an all time low. We bring you a selection of hand picked income and growth options, as well as structured deposit plans. Earn a fixed income of up to 7% a year, or see annual growth of up to 12.5% with these latest investment ideas."

Oliver Roylance-Smith , Head of Savings & Investments

Income Structured Investment Plans

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.

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% 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

Capital Protected - Structured Investment Plans

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Kick Out 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% 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