Tax FREE Investment ISAs

Ideas for your 2016-17 ISA

Peer to Peer Fixed Term ISA - Earn high tax free interest
ProviderAccountTarget ReturnTermMore Info

up to 8.70%

per annum

1 to 5 YearsMore Info >
  • Earn estimated 8.70% APR*
  • 1 - 5 year term
  • Available for ISA, ISA transfer & direct investment
  • Minimum investment £10
  • Manage your account online
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

6.00%

target rate p.a.

No Fixed TermMore Info >
  • Innovative Finance ISAs (IFISA) are the new way to invest tax-free. Just like Cash and Stocks & Shares ISAs, you can invest up to £15,240 each tax year, and you don’t need to pay any personal taxes on your earnings
  • Lending Crowd will automatically diversify your funds across at least 20 loans through their Loan Market, with no more than 5% of your funds invested in any one loan. All repayments will be automatically reinvested.
  • Target return - 6% a year
  • No income tax or capital gains tax to pay on your profits
  • No fixed term, hold for as long as you wish
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £1,000, Maximum £20,000
  • The target rate is variable, net of ongoing management fees, estimated bad debt and before the 1% withdrawal fee
  • Capital is at risk
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

3.75%

annualised p.a.

Up to 5 YearsMore Info >
  • The Property‐Backed ISA is the latest in Landbay's peer‐to‐peer investments following the introduction of the Innovative Finance ISA from HM Treasury in 2016. A Landbay ISA investment is the same as a Classic investment with a tax‐free wrapper
  • Earn estimated 3.75% APR*
  • Up to 5 year term
  • Also accepts ISA transfers from previous year's ISA's 
  • Minimum investment £5000, Maximum £20,000
  • No ongoing fees or investment fees
  • Investments are automatically diversified across multiple buy-to-let mortgages
  • Sell your investment on the secondary market at any time, subject to Landbay's ability to reallocate your invested loan parts
  • Landbay's Reserve Fund exists in case a borrower misses a payment or defaults. To date they've had none
  • Capital is at risk and returns may be higher or lower
  • Must be aged 18 or older
  • Peer to peer lending is not covered by the FSCS

Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment as it is not protected by the Financial Services Compensation Scheme, although many lenders offer their own compensation schemes.

*Returns may be higher or lower

Investment ISAs
ProviderAccountISA TransfersProtection schemeFund choiceInvest From:More info
yes

FSCS

Managed Portfolio

Min. £500 single

(+ £100pm for ISAs below £5,000)

More Info >
Why we like it: Get an intelligent stocks & shares ISA portfolio - Choose a portfolio that’s fully managed by our expert team, or one designed to remain steady and rebalance automatically. No tie-ins, no set-up fees, no exit charges. Easy, online set up in minutes. Start with as little as £500 (plus £100 per month for ISAs below £5,000). Simple fee structures – 0.25% to 0.75% depending on how much you invest, incl VAT. Plus, live chat, amazing customer support and brilliant investor tools and guides. Regulated by the FCA and protected by the FSCS. Capital at risk.
yes

FSCS

1,500+ funds

£50 per month

or £500 single

More Info >
Why we like it: Invest through an award winning FTSE company, with extensive research and analysis and competitive charges. Choose from a range of investments including shares, funds, gilts, bonds, investment trusts and ETFs.


yes

FSCS

Choice of Funds from Scottish Friendly

£10 per month

or £100 single

More Info >
Why we like it: Invest from only £10 a month, lump sums from just £100 or a combination of both using your tax-free Investment ISA allowance. Once you have set up My Select (ISA), you can stop, restart, raise or lower your payments or your investments and cash in whenever you want. Your money will be invested in a My Select policy within a Scottish Friendly ISA which will then invest in a choice of funds from Scottish Friendly including stock market and bond funds.

yes

FSCS

Choice of 6 Funds

Invest from £1

More Info >
Why we like it: Choice of five passively managed Funds give you easy access to different levels of risk and return. No need to spend time managing individual investments, it’s all done for you. Virgin Money’s passively managed Funds have an annual ongoing charge of 1%. Virgin Money also offers the Climate Change Fund. This only invests your money in hand-picked companies with strong environmental credentials. As it is more expensive to run, this Fund has a higher annual ongoing charge of 1.3%.
Remember, you may get back less than you invest.
yes

FSCS

With-Profits Fund

£30 per month

or £500 single

More Info >
Why we like it: You don’t have to make any tricky investment decisions; your money will be invested in Shepherds With Profits Fund, and the bonuses you could receive will depend on the future performance of the fund. To try to achieve higher returns for you, your money is invested in a variety of assets, the majority of which consist of stocks and shares, but also property, bonds and cash. While returns are not guaranteed in stocks and shares investments and the value can go down as well as up, Shepherds apply a process known as ‘smoothing’ that attempts to even out fluctuations in the value and aims to keep a consistent level of bonus payments.


Important information: Investment ISAs are tax-efficient wrappers for long term investments. Capital at risk. Charges may apply.  Tax rules may change in the future and whether particular tax rules benefit you, will depend on your individual circumstances. ISA transfer charges may apply, please check with your provider.
Investing for Tax Free Fixed Income
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes5 years

4.56%

fixed income

More Info >
  • 4.56% income pa paid regardless of the performance of the FTSE 100
  • Monthly income
  • Alternative collateralised option also available offering a fixed income of 0.34% per month (4.08% pa)
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 5 May 2017
  • Investment deadline for direct and ISA applications - 26 May 2017 
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE Monthly Income PlanCredit Suisse AGyes6 years

4.20%

fixed income

More Info >
  • 4.20% income pa paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for 2016/17 ISA, 2017/18 ISA, ISA transfer and direct investment
  • Investment deadline for 2016/17 ISA applications by cheque or bank transfer - 5 April 2017
  • Investment deadline for ISA transfers - 7 April 2017
  • Investment deadline for direct and 2017/18 ISA applications by cheque - 19 April 2017
  • Investment deadline for direct and 2017/18 ISA applications by bank transfer - 25 April 2017
  •  
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% from its starting level at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. 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.
Investing for High Tax Free Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Contingent Income PlanNatixisyesUp to 10 years

8.20%

per annum

More Info >
Maximum 10 year structured investment plan paying a potential quarterly income of 2.05% (equivalent to 8.2% annually) and the opportunity to mature early from year 2 onwards. Also available as a Stocks & Shares ISA investment and ISA transfer.
Annual Income PlanNatixisyesMaximum 7 years

6.50%

per annum

More Info >
A 7 year structured investment plan paying a potential annual income of 6.50%,and the opportunity to kick out from the end of year 3 onwards. Also available for Stocks & Shares ISA and ISA transfer.
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 investment. 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.


Best Investment ISAs - Tax Free Growth
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential ReturnMore Info
FTSE 100 Enhanced Kick Out PlanInvestec Bank plcyesUp to
6 years

10.25%

per annum

More Info >
  • 10.25% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging)
  • Potential to mature early, from year 1 onwards
  • Alternative collateralised options also available returning a potential 8.25% / 7% from year 2
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 5 May 2017
  • Investment deadline for direct and ISA applications - 26 May 2017 
  • Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE Enhanced Tracker PlanCredit Suisse AGyesUp to 6 years

45%

after 3 years, or 2 x FTSE growth after 6 years

More Info >
  • 45% after 3 years provided the FTSE 100 has risen 10%, or 2 x FTSE growth after 6 years
  • Available for direct investments, 2016/17 ISA, 2017/18 ISA, and ISA transfer 
  • Investment deadline for ISA transfer applications - 5 April 2017
  • Investment deadline for 2016/17 ISA applications by chqeue and bank transfer - 5 April 2017 
  • Investment deadline for direct and 2017/18 ISA applications by cheque - 11 April 2017 
  • Investment deadline for direct and 2017/18 ISA applications by bank transfer - 19 April 2017 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £5,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
FTSE 100 Defensive Growth PlanInvestec Bank plcyes5 years

22%

after 5 years

More Info >
  • 22% after 5 years provided the FTSE 100 finishes above 50% of its starting value
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfer applications - 5 May 2017
  • Investment deadline for direct and ISA applications - 26 May 2017 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £3,000
  • An arrangement fee applies to this plan
  • Product designed to be held for the full term
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.

For tax FREE ISA ideas for the current tax year see the tables above to  help you achieve your financial goals at a level of investment risk which you feel comfortable with. What suits one person may not necessarily be the best ISA investments for someone else.

  • Cash ISAs – Invest in cash deposits with capital protection
  • Investment ISAs – Put your capital at risk for potentially higher returns
  • Ethical ISAs – Avoid investing in companies that have a detrimental impact on the environment and society

 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.