Best Fixed Income Rates
Compare Best Fixed Income Rates
"Fixed income rates can vary depending on which type of fixed income investment you choose - for example, you may be able to take the opportunity to get a higher rate of fixed income if you are prepared to put your capital at greater risk. It is a good idea to examine a variety of fixed income plans before making a selection in order to decide which fixed income investment offers the best balance of risk and reward for you needs."
Oliver Roylance-Smith , Head of Investments and Savings
|Provider||Plan Name||Counterparty||ISA Option||Term||Annual Income||More Info|
|FTSE 100 Enhanced Income Plan||Investec Bank plc||5 years|
|More Info >|
Getting the best fixed income rates
Fixed income investments offer a variety of rates of return depending on several factors including how long you are prepared to put your money away for, and your appetite for risk. In general terms, higher risk income investments - where your capital is put at risk and may not be covered by the financial services compensation scheme for default alone - are likely to yield the best fixed income rates.
These types of income investments are often related directly to the performance of shares, most often the FTSE 100 or a selection of shares from this Index. However you need to be prepared for the fact that if the investment does not perform as hoped, you may lose your initial investment, even though the income on offer is fixed. Because individual share prices can move by wider margins than the Index as a whole, these should be considered a higher risk investment.
An alternative type of fixed income investment features conditional capital protection, which means that your initial capital is returned at the end of the plan unless the underlying investment (Index or shares) has fallen by more than a fixed percentage, which will be made clear at the outset of investing. However it is important to note that the past performance of the FTSE or any other Index is not a guide to future performance.
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.