Investment Ideas For 2024

Investment Ideas For 2024

Compare Our Best Investment Opportunities

Fixed Income Plan Offer

Meteor FTSE Monthly Fixed Income Plan

5.7% fixed income pa

  • Income paid regardless of the FTSE 100 Index performance
  • Monthly payments (0.475%)
  • Income paid every month for full four year term
  • Available for new ISAs, ISA transfers and direct investments
  • Invest from just £5,000
Our view: If you’re looking for high income, then the knowledge of receiving 5.7% fixed per year, paid monthly, for four years could be appealing. Capital is at risk
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New to investing or don’t have time?

Ready Made Portfolios

If you are new to investing or simply don’t have the time to look after your investments then a ready made portfolio may be right for you.

Ready made investment portfolios allow you to leave the work of selecting investments to an expert.

A number of Investment platforms offer this service in which model portfolios are set up to suit a range of different investment goals and where you can decide based on your attitude to investment risk what is right for you.

5 Model Portfolios To ConsiderReady Made Investment Portfolios

Capital is at risk.

  • Designed to help you realise your financial goals
  • Portfolios include; Active growth, Active income, Low cost growth, Low cost income & an ethical portfolio option
  • Investor Essentials for £4.99 pm. This is the cheapest plan with access to Stocks & Shares ISA & Trading Accounts

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Searching for income?

Investments that pay a monthly income

Looking for good investment options for generating income from capital.

As a result of recent extreme economic conditions, many companies have temporarily stopped paying dividends or have significantly reduced the amount they are paying out.

This means the income that is likely to be paid out by funds and investment trusts in the near future may be far less than the historic yield quoted in the portfolios.

We have put together some ideas for income investors that are worth a further look.

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Defined risk with defined returns

Investment plans for uncertain times

Fixed term investment plans which provide exposure to the stock market but often with protection built in to mitigate market risk.

This balance can be attractive to investors particularly in uncertain markets.

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Require capital protection?

How to get Cash+ returns without risking your capital…

If you could combine the potential to achieve investment-level returns with the same capital protection as any other bank deposit account, some might consider this the best savings and investment worlds combined.

One option is the structured deposit.

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There are hundreds of different investment “products” designed to suit different financial needs and your own preferences as an investor.

Do you want to build up a deposit for a house, or income for retirement?

Are you happy taking more risk for the chance of higher returns, or do you need to know your money’s secure? Read more:

How to choose your investments

The investment plans featured on this site have defined investment terms where the investment objectives and investment risks are clearly outlined in the plan literature available on request.

The investment plans we feature can be classified under two categories – deposit plans and investment plans.

Deposit Plans

Deposit Plans or Structured Deposit Plans offer a return of initial capital and a potential return linked to the performance of an underlying asset such as the FTSE 100. These plans are cash based and should be seen as an alternative to cash deposits such as fixed rate bonds.

They are taxed in the same way as cash deposits ( returns are generally taxed as income in the hands of investors) and are attractive to risk averse investors as they are given the same protection falling under the Financial Services Compensation scheme (FSCS).

Investment Plans

Investment plans or structured investment plans are designed to meet the requirements of different investors as either a complement or alternative to traditional direct equity or fund investment.

Plans are designed taking into account investment risk versus investment return, protection and timescales. Structured investment plans are typically equity linked and provide exposure to market risk but often with protection built in so restricting the upside but also mitigating the downside.

This balance of risk is attractive particularly in uncertain markets. Plans are backed by major financial institutions who provide the assets for the plan (known as the counterparty). Investment returns from investment plans often fall under CGT tax rules which can be attractive particularly to higher rate tax payers.

Both structured deposit and investment plans provide investment opportunities allowing investors to make investment returns on markets over set periods of time while maintaining a level of risk control.

Investors depending on their plans can also gain access to a range of alternative asset classes including world major equity indices, commodities and currencies. Most of the investment plans featured on this site are equity linked and offer different levels of capital risk and market exposure.

Capital at risk plans often offer features to reduce risk exposure to market falls by the use of a barrier. Typically the barrier will be set at 35% of the initial level of the underlying asset.

The two main types of barrier are the final day barrier (European barrier) where the underlying asset is only observed on the final day of the investment. Variations of the European barrier may include plans where the barrier is based on the value of the underlying asset based on average e.g. an average of the underlying asset over the last 3 months of the plan. This averaging again is a risk control reducing the impact of any sudden falls in the last stages of an investment term, although conversely it can also restrict growth potential in a rising market.

The second type of barrier often used is the closing/intra day barrier (American barrier) where the value of the underlying asset is observed throughout the life of the investment plan on a daily basis. In the event of a breach of the barrier the capital invested will be at risk in some way depending on the plan terms.

With investment plans an individual savings account (ISA) can be used as a wrapper to provide investors with tax efficient returns. For 2022/23 the HMRC set ISA allowance is £20,000 per individual, which can be used in full in either a deposit plan or an investment plan, or split between the two.

In assessing the top investments ideas we make a distinction between income and growth investors and provide a range of options depending on your requirements:

Growth Investments

For investors seeking growth investment opportunities on this site we feature a range of different plans that have different features.

The investment plans we promote may include kick out investment plans which offer investors a pre-determined rate of return based on the performance of the underlying asset performing sufficiently well at a given series of dates.

Accelerated Growth Plans which offer investors the potential of leveraged exposure to the upside performance of an underlying asset. Digital plans that offer a fixed investment returns providing the plans requirements are met. Typically these plans will either return the original capital and the payoff or just the original capital.

Income Investments

For investors requiring income we regularly offer a range of income investment plan options. For investors who require capital protection deposit based plans can provide an attractive alternative to fixed rate bonds although income payments will be linked to the performance of an underlying asset so are usually not guaranteed. For investors who are comfortable with capital risk, reverse convertible or income plans provide a fixed income on a monthly, quarterly or annual basis. With these plans income payments are fixed and capital will be returned as long as the underlying asset does not fall below the set barrier.

Investment ISAs

Using your ISA allowances should be your first port of call when investing to mitigate any tax resulting from income or capital gains. With an investment ISA you can invest up to £20,000 per individual. Most investment plans and investment funds can be placed in an ISA, although always check the terms and conditions.

In considering the best investment and savings options for you could also consider the following:

High Interest Savings Accounts

If you need short term access to your money, high interest savings accounts provide a way for savers to get a better rate of interest with capital security. Notice savings accounts which require savers to provide notice before withdrawing savings of anything up to 180 days often pay better interest than easy or instant access savings accounts.

Cash ISAs

If you looking to save tax efficiently for the 2022/23 tax year you can put up to £20,000 per individual into a cash ISA and shelter any interest from the taxman.

Fixed Rate Bonds

If you are happy locking up capital for a set period of anything from 6 months to 5 years a fixed rate bond will generally provide higher interest rate returns than instant access savings accounts. Fixed rate bonds are a low risk investment as your original capital will be returned at maturity.

Fund Supermarket

For investors looking to invest in funds we offer a fund supermarket service which allows you to select your own income or growth funds at low cost. With over 1500 funds to choose from including many of the top investment performing funds with most available at no initial charge and many with discounted annual charges you can choose from some of the best investment funds available in the UK, including funds that have a low risk investment profile to funds that provide the potential of higher returns but also with a higher risk to capital.

Our Fund Supermarket service provides you with online access to your investment accounts 24/7 so you can monitor fund 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. 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. * Details of how the Financial Services Compensation Scheme applies to investment firms can be found at