Tax FREE Investment ISAs

Ideas for your 2017-18 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 >
  • Cashback offer: £200 cashback for any investments over £5,000. Open to new and existing customers. Ends 2nd January 2018
  • 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

5.68%

target rate p.a.

Typically 1 – 5 yearsMore Info >
  • Tax-free earnings on your investments with the Downing IFISA
  • A range of fixed-term bonds to choose from
  • Downing’s fee is contingent on investors getting their capital and interest back in full
  • To help manage risk, our Crowd Bonds are secured against existing assets, which means that if a borrower defaults on the bond, Downing, as security trustee, has the right to take control and use the net proceeds to repay some or all of the investors’ capital and interest
  • Our monitoring fee is contingent on investors receiving their capital and interest being repaid in full
  • Downing Crowd was recently awarded Best Investment Platform at the 2017 Growth Investor Awards, November 2017
  • So far we have raised some £40 million to support the growth of smaller UK companies, and repaid investors some £16 million of capital and £1 million interest (as at December 2017)
  • Capital at risk and returns are not guaranteed
  • No FSCS deposit protection
  • Must be UK resident and over 18 years

 

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

4.35%

fixed income

More Info >
  • 4.35% income pa paid regardless of the performance of the FTSE 100
  • Monthly income
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfers - 24 November 2017
  • Investment deadline for direct and ISA applications - 15 December 2017
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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. 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 100 Defensive Income PlanInvestec Bank Plcyes8 years

7.25%

per annum

More Info >
An 8 year investment plan paying a potential annual income of 7.25%. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Monthly Contingent Income PlanNatixisyesUp to 10 years

6.00%

per annum

More Info >
Maximum 10 year structured investment plan paying a potential monthly income of 0.5% (equivalent to 6% annually) and the opportunity to mature quarterly from 18 months onwards. Also available as a Stocks & Shares ISA investment 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

9.35%

per annum

More Info >
  • 9.35% 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
  • Available for ISA, ISA transfer and direct investment 
  • Investment deadline for ISA transfers - 24 November 2017
  • Investment deadline for direct and ISA applications - 15 December 2017
  • Capital is at risk if the FTSE 100 Index has fallen by more than 40% at maturity from it's initial level, 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 Kick Out PlanCredit Suisse AGyesUp to
6 years

8.70%

per annum

More Info >
  • Potential early maturity return of 8.7% x the number of years the plan has been active
  • Maximum 6 year structured investment plan
  • Potential for early maturity from year 1
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline for ISA transfer applications - 11 December 2017
  • Investment deadline for direct & ISA applications by cheque - 19 December 2017
  • Investment deadline for direct & ISA applications by bank transfer - 27 December 2017
  • Capital at risk
  • Repayment of your capital and payment of any return depends on the performance of the FTSE 100 Index and the ability of the counterparty Credit Suisse AG to pay at maturity
  • Arrangement fee applies
  • If you decide to sell the plan early, you may get back less than your original investment
  • May close early if oversubscribed
10:10 PlanNatixisyes10 years

8.25%

per annum

More Info >
  • 8.25% for each year (not compounded) provided the FTSE 100 finishes at or above its starting value
  • Alternative option 1 available returning a potential 7% pa if FTSE finishes up to 82.5% of its starting value over term of plan
  • Alternative option 3 available returning a potential 11.50% pa if FTSE finishes at or above 110% of its starting value
  • Potential to mature early, from year 2 onwards
  • Available for ISA, ISA transfer and direct investment
  • Investment deadline ISA transfers - 29 November 2017  
  • Investment deadline for direct and ISA by cheque - 13 December 2017
  • Investment deadline for direct and ISA by bank transfer - 20 December 2017 
  • Capital is at risk if the FTSE 100 Index has fallen by more than 30% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall
  • Minimum investment £10,000
  • 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.