What Our Clients Say About Us

"I really do appreciate the level of service and responsiveness Fair Investment Company provided. Big banks ought to learn from that."
Mr Gioan, West Midlands

"Your factsheets are wonderful – informative, concise, unambiguous – an absolute delight. Fair Investment have fulfilled a one shop stop in my wants list and have no desire to wander!"
Mr Johnson, Powys

"Our dealings with Fair Investment have been excellent – our accounts were set up much more quickly than with traditional institutions, and we are already feeling the benefit of increased interest income."
Richard Pendlebury MBE and charity trustee

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Investment Focus

Investment Focus: Legal & General Inflation Protected Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current rate of inflation is well above the Bank of England’s target of 2% and is a major cause of concern for savers across the UK. We take a look at a recent new entrant to the market wh... Read more

Investment Focus: Meteor Income Deposit Plan

Oliver Roylance-Smith / 15 November 2011

The current economic environment is one of the most challenging ever seen and those that are feeling it most are savers and investors seeking an income from their capital. We take a look at one part... Read more

Investment Focus: Gilliat Deposit Kick Out Plan

Oliver Roylance-Smith / 15 November 2011

Finding a product that offers an attractive solution in the current economic climate is certainly a challenge. However, despite some of the most challenging conditions ever seen, we take a look at o... Read more

Latest investment commentary

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

2011 has certainly been a year of strong themes which have dramatically shaped the market as well as the opportunities available for savers and investors. We take a look at what these have been and ... Read more

A review of the FTSE in 2011 and what we can learn

Oliver Roylance-Smith / 10 January 2012

The FTSE is one of the most important indicators of investment performance and acts as a key benchmark for many investors in the UK. For this reason we take a look back at 2011 and review what happe... Read more

Our Top 10 most popular plans in 2011

Oliver Roylance-Smith / 09 January 2012

With 2012 well underway, there is already a competitive range of plans available across a wide number of plan types, whether you are looking for traditional savings routes, investments with the pote... Read more

Investment Guides

Are you searching for income? Do you understand structured investments? Our free guides explain all.
Read more »

Latest investment news

Top 10 reasons to consider Kick Out plans

Oliver Roylance-Smith / 07 February 2012

With the interest in Kick Out plans continuing to rise and the current market offering some of the highest rates ever from this type of investment, we give you 10 reasons which help to explain why K... Read more

Kick Out plans laid bare

Oliver Roylance-Smith / 07 February 2012

Kick Out plans were the real story of 2011, with a huge surge of interest that continues to keep pace. With such a wide variety of products available in the market, we take an in-depth look under th... Read more

What lies in store in 2012

Oliver Roylance-Smith / 10 January 2012

Virgin Climate Change Fund

Market leading returns from a planet friendly fund…

The Virgin Climate Change Fund is a stocks and shares ISA that aims to deliver a top performing fund by investing in specially selected businesses (predominately based in the UK and Europe) who aim to drive outstanding profit growth and have a lighter environmental footprint.

Investing for Income ISAs

Investing For Growth ISAs

Cash ISAs

Product Name	Income Yield	More Info
Income Builder	7.50% per annum	More Info >
A 5 years and 3 weeks structured investment plan paying a potential maximum quarterly income of 1.875% (equivalent to 7.50% per year). Also available for Stocks & Shares ISA and ISA transfer.		More Info >
FTSE Income Deposit Plan	7.25% per annum	More Info >
A 6 year capital protected structured deposit plan with the potential to pay 7.25% annual income. Backed by the Royal Bank of Scotland. Also available as a cash ISA and for ISA transfer.		More Info >
FTSE 100 Bonus Income Plan	7.50% per annum	More Info >
5 year structured investment plan paying an income of 7.50% annually, including a potential annual bonus of 0.5%. Also available as a monthly income option, Stocks & Shares ISA investment and ISA transfer.		More Info >
FTSE Income Plan	5.80% per annum	More Info >
3 year structured income plan with a fixed quarterly income return of 1.45% gross. Equivalent to 5.80% gross per year. Not available for ISA investment.		More Info >
Schroders Monthly High Income Fund	See Details	More Info >
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.		More Info >
Invesco Perpetual Monthly Income Plus Fund ISA	See Details	More Info >
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.		More Info >
Henderson Strategic Bond Fund	See Details	More Info >
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.		More Info >
Schroders Income Maximiser	See details	More Info >
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.		More Info >
Invesco Perpetual Corporate Bond ISA	See details	More Info >
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.		More Info >
Artemis Income ISA	See details	More Info >
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.		More Info >
Jupiter Corporate Bond Fund ISA	See details	More Info >
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.		More Info >
Invesco Perpetual High Income Fund ISA	See details	More Info >
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.		More Info >
M&G Corporate Bond ISA	See details	More Info >
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.		More Info >
Jupiter Merlin Income Portfolio	See details	More Info >
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.		More Info >

* See details.
†† Income payments are dependent upon the FTSE 100 Index.

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.

Product Name	Maximum Potential Return	Term	More Info
FTSE 100 Enhanced Kick Out Plan Investec Version	13.50% per annum	Up to 5 years	More Info >
Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Bonus Growth Plan	12.50% per annum	Up to 6 years	More Info >
6 year structured investment plan with the potential to mature early, returning the greater of 12.5% for each year the plan is in place, or the highest return from the FTSE, measured daily. Also available for Stocks & Shares ISA and ISA transfer			More Info >
Early Bonus Plan	11.00% per annum	Up to 6 years	More Info >
A 6 year structured investment plan with the potential to mature early, paying 11% for every year the plan is active. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 5 Quarterly Defensive Plan	4.25% per quarter	5 Years	More Info >
A 5 year structured investment plan with the potential to return 4.25% x the number of quarters the Plan has been active.			More Info >
FTSE Booster Plan	60%	6 years	More Info >
6 year structured investment plan that offers a fixed growth return of 60% even if the FTSE 100 falls. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Geared Returns Plan	80%	5 years	More Info >
5 year structured investment plan with the potential to receive a defined return of 80%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Growth Plan	60%	5 years	More Info >
A 5 year structured investment plan which aims to provide a defined return of 60% at maturity. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE 100 Accelerated Growth Plan	No limit	5 years	More Info >
5 year structured investment plan with the potential to return 2.2 x any growth in the FTSE 100 Index after 5 years. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
FTSE Protected Growth Plan	35%	6 years	More Info >
A 6 year capital protected structured investment plan that offers a potential early exit return of 35%. Also available for Stocks & Shares ISA and ISA transfer.			More Info >
Inflation Protected Deposit Bond	RPI Tracker	5 years	More Info >
5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 3 Year Deposit Plan	19%	3 years	More Info >
3 year capital protected deposit plan with the potential to receive a defined return of 19%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Deposit Growth Plan	No limit	5 years	More Info >
5 year capital protected structured deposit plan which aims to return 1.0 x any FTSE 100 growth. Also available for Cash ISA and Cash ISA transfer.			More Info >
Enhanced Growth Plan	40%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 5 x any FTSE 100 growth capped at 40%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Growth Deposit Bond	50%	6 years	More Info >
6 year capital protected structured deposit plan which returns the greater of 8.00% or 1 x any FTSE 100 growth, capped at 50%. Also available for Cash ISA and Cash ISA transfer.			More Info >
Annual Locked-In Return Plan	36%	6 years	More Info >
6 year capital protected structured deposit plan which aims to return 6% annual growth capped at 36%. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 2	6.25% per annum	Up to 5 years	More Info >
Capital protected deposit plan with the potential to mature after years 2, 3, 4 and 5. If the plan matures early it will return 6.25% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >
FTSE 100 Kick Out Deposit Plan - Option 1	6.00% per annum	Up to 5 years	More Info >
Capital protected structured deposit plan with the potential to mature after years 1, 2, 3, and 4. If the plan matures early it will return 6% times the number of years the plan has been in force. Also available for Cash ISA and Cash ISA transfer.			More Info >
Moneybuilder	5.75% per annum	6 years	More Info >
A 6 Year capital protected structured deposit growth plan with the potential to pay 5.75% pa, up to a maximum of 34.5% over 6 years at maturity. Also available for Cash ISA and ISA Transfer.			More Info >

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.

Provider	Account	Interest Rate (AER)	Term	Apply
	3 Year Fixed Rate Cash ISA	up to 4.20%	3 Years	Apply Now >
	Earn 4.20% Gross/AER when you transfer in or 3.80% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed from other cash ISAs.			Apply Now >
	Fixed Rate Cash ISA - 3 years	3.55%	3 Years	Apply Now >
	Cash ISA with a fixed rate of 3.55% AER for 3 years. £500 minimum balance. No withdrawals or additional deposits.			Apply Now >
	Fixed Rate Cash ISA - 2 years	3.50%	2 Years	Apply Now >
	Cash ISA with a fixed rate of 3.20% AER for 2 years. £500 minimum balance. No withdrawals or additional deposits.			Apply Now >
	2 Year Fixed Rate Cash ISA	up to 3.90%	2 Years	Apply Now >
	Earn 3.90% Gross/AER when you transfer in or 3.50% Gross/AER standard rate. £1,000 minimum deposit. Transfers allowed.			Apply Now >
	2 Year Fixed Rate Cash ISA	up to 3.90%	2 Years	Apply Now >
	Earn 3.90% Gross/AER when you transfer in or 3.50 standard rate. £1,000 minimum deposit. Transfers allowed.			Apply Now >
	1 Year Fixed Rate Cash ISA	up to 3.35%	1 Year	Apply Now >
	Earn 3.35% Gross/AER when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other cash ISAs.			Apply Now >
	1 Year Fixed Rate Cash ISA	up to 3.35%	1 Year	Apply Now >
	Earn 3.35% when you transfer in, or 2.60% Gross/AER standard rate. Minimum deposit £1,000. Transfer in from other Cash ISAs.			Apply Now >
	E-Cash ISA	2.50%	Instant Access	Apply Now >
	Instant access cash ISA open to new and existing customers. Transfers accepted. £10 minimum deposit.			Apply Now >
Existing customers only	Natwest E Cash ISA	2.00%	Instant Access	Apply Now >
Existing customers only	Earn 2.50% on balances of £30,000 or more, 2.25% on £10,000-£29,999, or 2.00% on balances up to £9,999 (AER) Open to Natwest current account holders only.			Apply Now >
Existing customers only	RBS Instant Access Cash ISA	0.55%	Instant Access	Apply Now >
Existing customers only	Earn from 0.55% (balances up to £8,999); 0.75% (£9,000-£14,999); 0.95% (£15,000-£21,999); 1.75% (£22,000-£26,999); 1.90% (£27,000-£49,999); 2.00% (£50,000 or more) ISA transfers are eligible for additional bonus interest payments. Open to RBS current account holders only.			Apply Now >
Existing customers only	Natwest Cash ISA	0.50%	Instant Access	Apply Now >
Existing customers only	Minimum deposit just £1. Rates from 0.50% - 2.00% AER. Open to Natwest current account holders only.			Apply Now >

* Income payments are dependent upon the FTSE 100 Index.

Features of the Virgin Climate Change Fund include:

Performance first, without forgetting the planet
Top level investment expertise
Awarded 'A' by Standard & Poor's

You can invest up to £7,200 (this tax year) into the Virgin Climate Change ISA, which can be paid in lump sums of £100 or more (there is a £500 minimum opening investment), or regular monthly payments of £50 or more. There is also an annual management fee of 1.75%.

From April 6 2010, the ISA limit is increasing to £10,200 per tax year, meaning you can shelter an additional £3,000 of your money from capital gains and income tax.

Other benefits of the Virgin Climate Change ISA include:

Transfer existing ISAs
Instant access to your money
No tax to pay on the growth in value of your investment

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.

What Our Clients Say About Us

Investment Focus

Latest investment commentary

Latest investment news

Virgin Climate Change Fund

Market leading returns from a planet friendly fund…

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