Income ISAs

Income ISAs

Compare 2018-19 Income ISAs

Plan Name

Hilbert Conditional Quarterly Autocall Plan

Annual Income
Up to 8.60%
per year
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Defensive Income Plan

Annual Income
Up to 7.20%
per year
Term
Up to 8 years
ISA Option

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.

Plan Name

Dura Capital Citi FTSE 100 Quarterly Income Autocall Plan

Maximum Potential Return
6.40%
per annum
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Enhanced Income Plan

Annual Income
4.20%
fixed income
Term
5 years
ISA Option

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.

Plan Name

Meteor FTSE Monthly Contingent Income Plan

Annual Income
Up to 5.00%
per year
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Enhanced Kick Out Plan

Maximum Potential Return
10.25%
per annum
Term
Up to 6 years
ISA Option

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.

Plan Name

Walker Crips UK Kick Out Plan Issue 5

Maximum Potential Return
9.5%
per annum
Term
Up to 6 years
ISA Option

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.

Plan Name

Dura Capital FTSE/Euro Stoxx Defensive Autocall Plan

Maximum Potential Return
9%
per annum
Term
Up to 7 years
ISA Option

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.

Plan Name

Investec/Lowes 8:8 Plan 6

Maximum Potential Return
8%
per annum
Term
Up to 8 years
ISA Option

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.

Plan Name

Investec FTSE 100 Step Down Kick Out Plan

Maximum Potential Return
7.25%
per annum
Term
Up to 6 years
ISA Option

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.

Plan Name

Mariana 10 Year FTSE Step Down Kick Out Plan

Maximum Potential Return
7.75%
per annum
Term
Up to 10 years
ISA Option

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.

Plan Name

Investec FTSE 100 Defensive Step Down Kick Out Plan

Maximum Potential Return
6.25%
per annum
Term
Up to 6 years
ISA Option

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.

Invest From
£50 per month or £500 single
Fund Choice
1,500+ funds
Protection Scheme
FSCS
ISA Transfers

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. Annual platform fee 0.35%.

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.

Invest From
£25 per month or £100 single
Fund Choice
2,500+ funds
Protection Scheme
FSCS
ISA Transfers

Why we like it: Choose your own funds or alternatively a ready made portfolio. Market-beating savings and discounts of up to 5.5%. No charge to buy and sell funds. Low, tiered annual charges for holding funds, with a maximum of just 0.45% per annum. Free fund updates and analysis from experienced research team. Invest with a financially secure, FTSE 100 company.

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.

Invest From
£500 single (+ £100pm for ISAs below £5,000)
Fund Choice
Managed Portfolio
Protection Scheme
FSCS
ISA Transfers

Why we like it: Get an intelligent stocks & shares ISA portfolio – Choose a portfolio that’s fully managed by our expert team or a fixed allocation portfolio. 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). Portfolio management fees of 0.45%-0.75% up to £100k. 0.25%-0.35% beyond £100k. There are also underlying investment charges, see our fees page. Plus, live chat, amazing customer support and brilliant investor tools and guides. Authorised and regulated by the FCA. Capital at risk.

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.

Invest From
£30 per month or £500 single
Fund Choice
With-Profits Fund
Protection Scheme
FSCS
ISA Transfers

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.

Income ISA

What is an income ISA?

An income ISA is a way of using your ISA allowance that aims to provide you with a regular tax-efficient income payment on your investment or savings. Income may be paid on a quarterly, semi-annual or annual basis, so you can choose an option to suit your savings goals.

Your ISA allowance for 2018/19 is £20,000 per person. You are permitted to invest all or part of this amount in an investment ISA, or part of this amount in a cash ISA and the remainder in stocks and shares.

What types of income ISA are available?

A wide range of income ISAs are available. You can select income funds covering all major geographical regions of the world, income funds with different investment risk profiles and growth objectives, including income equity funds, bond funds, property funds, specialist funds, and cash funds. Income ISAs offer you the flexibility to make the most of your ISA allowance in a way that suits you.

You can choose from income funds that invest in equities or funds that invest in corporate bonds. If you’re looking to earn an income from your investment then there is a wide range of income fund ISAs that can help you to reach your investment goals.

Another option for those who are seeking income is a structured deposit plan. These are plans with a defined term, typically 3 to 6 years, which offer a rate of return that’s defined at the outset. The plans are usually linked to stock market performance.

A income ISA might suit you if:

  • You want to use your ISA allowance to maximise your potential for income from your investments, especially at this time of low interest rates. The money you invest in an income ISA can offer the potential for tangible tax savings.
  • You want to hold shares and increase your ISA amount over the long term – capital gains are 100% tax-free when held in an ISA.
  • You’re looking to invest for the medium to long term – investment-based ISA accounts generally perform better over time than cash-based accounts.
  • You’re saving with your retirement in mind. Many people use their yearly ISA allowance to invest in income-yielding plans – the result of which can generate a tax-free income during retirement. In fact, recent data shows that savers are now putting more money into ISAs than into pension schemes.
  • You want to combine a straightforward, tax-free cash savings account with the benefit of regular income payments.

An income ISA might not suit you if:

  • You’re only saving for a short-term goal. Because the income on your ISA pays out at regular intervals – for example, once a year – you may miss out on the benefits of this if you withdraw earlier. If you do decide to use an income ISA for a short-term savings goal, make sure you choose one that pays out income at more frequent intervals, such as once every quarter.
  • Your first priority is to establish an emergency fund that you can easily access if something unexpected occurs. In this case, an instant access cash ISA might be more suited to your requirements.

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. 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.