Compare 2021/22 ISA Options

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

Potential 12% after 6 years 

  • Potential 12% if the FTSE 100 rises by any amount after 7 years
  • Equivalent to 2% per year
  • 6 year term
  • Available as cash ISA, non ISA or ISA transfer
  • Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs

Our view: The 12% potential return is equivalent to 1.91% compound growth each year which is significantly more than the current leading longer term savings rates

More Plan Details »

Investment Plan ISAs - Growth

Plan Name

Walker Crips UK & US Kick Out Plan

Maximum Potential Return
9.25%
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

MB UK Kick Out Plan Y2 60

Maximum Potential Return
7.3%
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

MB UK Kick Out Plan

Maximum Potential Return
8.1%
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

Meteor FTSE Kick Out Plan

Maximum Potential Return
8%
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

MB UK 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.

Plan Name

Meteor FTSE Step Down Kick Out Plan

Annual Income
6%
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

Meteor FTSE Daily Kick Out Plan Y2 50

Maximum Potential Return
5.75%
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

MB UK Super Defensive Kick Out Plan

Maximum Potential Return
5.75%
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

MB UK Step Down Kick Out Plan Y2 60

Maximum Potential Return
5.5%
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.

Investment Plan ISAs - Income

Plan Name

Meteor FTSE Quarterly Contingent Income Plan Option 2

Annual Income
Up to 6.0%
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

Meteor FTSE Quarterly Contingent Income Plan Option 1

Annual Income
Up to 5.5%
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

MB UK Quarterly Contingent Income Plan

Annual Income
Up to 5.2%
per year
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

MB UK Fixed Monthly Income Plan

Annual Income
3.36%
fixed income per year
Term
Up to 4 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.

Investment Fund ISAs

Invest From
£500 single
Fund Choice
Discretionary Investment Management
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. 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. ISA rules apply
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 £1.50 per deal
Fund Choice
Over 2,000 funds
Features
Manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares magazine.
ISA Transfers
Why we like it: Deal from £1.50 and never pay more than £9.95 per online deal. Choose your own investments from over 2,000 funds, investment trusts and exchange traded funds. View your account online 24/7 and deal on the go with our mobile app. Regular savings option available.
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
Features
Do-it-yourself or Ready-made-portfolios. Cashback Offer (Terms apply)
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.
Special Offer: Cashback up to £200 if you transfer in any ISA worth £1,000 or more Terms apply
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
Any lump sum or £25 per month
Fund Choice
40,000+ UK and global stocks
Features
Low flat fee structure. Regular investing is free.
ISA Transfers
Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading
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 through regular savings or £1,000 as a lump sum
Fund Choice
Over 4,000+ funds, plus shares, investment trusts and exchange-traded funds
Features
Great value service fee. Easy to set up. Online guidance to help with your investment decisions
ISA Transfers
Why we like it: This award-winning ISA has an extensive range of investment options, including thousands of funds and shares, plus a guidance service to help you find investment ideas. There is a low service fee (typically 0.35%), easy online application process and apps to manage your money on the move. Other charges apply. Plus, everything is backed by Fidelity’s 50 years of investment experience.
Important information: The value of investments can go down as well as up so you may get back less than you invested. This information is not a personal recommendation for any particular investment. If you are unsure about the suitability of an investment you should speak to an authorised financial adviser.
Tax treatment depends on individual circumstances and all tax rules may change in the future.
Invest From
Any lump sum or monthly amount
Fund Choice
Over 2,000 funds
Protection Scheme
FSCS*
ISA Transfers
Why we like it: If you have £10,000 or more in ISAs or investments held elsewhere and request to transfer them to us by 17 May, you could get £50-£1,000 cashback. T&Cs apply. Capital’s at risk. There are risks associated with transferring in existing ISAs and investments – please see Barclays Smart Investor’s site for details. Access helpful tools and resources to support your investment decisions. UK based customer support team available by phone and online. Use your ISA allowance now. Invest in over 2,000 funds plus Exchange Traded Funds (ETFs), Investment Trusts, shares and more.
Important information: Investment ISAs are tax efficient wrappers for long term investments. Charges Apply. The value of investments can fall as well as rise and you may get back less than you invest. Tax rules can change, and individual effects may vary. While there are benefits to investing regularly rather than as a lump sum, you should remember the impact fees have on your investments. If you’re only investing small amounts each month, the minimum monthly fee could make it expensive and may exceed returns.
Invest From
£1,500
Investment Type
7 managed portfolios to choose from
Features
Choose your risk profile & have it matched to an investment portfolio expertly built and managed
ISA Transfers
Why we like it: Answer questions about your goals, financial situation and attitude to risk, and Moneyfarm will recommend the right ISA portfolio for you, built and managed by experts to help your money grow. You’ll always be invested in a portfolio that’s suitable for you, and you can manage this through the Advice Centre. See what you’re invested in, how you’re performing and how much you’re paying anywhere and any time with the Moneyfarm app. Add money to your ISA by setting up a direct debit, investing a lump-sum, or by transferring old ISAs for free
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
No minimum
Investment Type
10 managed portfolios to choose from
Features
Choose your risk profile and have an investment plan built and managed for you. Ethical plan options. Platform backed by AVIVA
ISA Transfers
Why we like it: Choose your level of risk from cautious to adventurous and have a plan expertly created and managed for you. Create multiple plans with different risk levels, Ethical plans also available. Invest as little or much as you like, add regular payments and top up whenever you like. Withdraw money or transfer out without notice or penalty fees. Wealthify app lets you check how your Plan is performing, manage your transactions and provide investment news and insights. Simple annual management charge of 0.6%
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.

Share Dealing ISAs

Share Dealing ISA
Trade From
£7.99 a month
Using the Investor Service Plan
Frequent Trader Rate
From £7.99 using the Investor Service Plan
Platform Fees
No transfer or exit fees. From £7.99 using the Investor Service Plan

Why we like it: An award-winning ISA that gives you complete control. The second largest platform in the UK with the widest choice of investment options in the market including funds, investment trusts, ETF’s and more. Open online in less than 10 minutes. Access to expert independent ideas and analysis. Low cost fees and trading

Stocks & Shares ISA
Trade From
£5.95 frequent trader rate
£11.95 standard trader rate

Hargreaves Lansdown Share Dealing ISA Account 

Cash ISAs

Account
Nationwide 1 Year Triple Access Cash ISA
Interest Rate
0.25%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Nationwide Instant ISA Saver Cash ISA
Interest Rate
up to 0.05%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Halifax ISA Saver
Interest Rate
0.05%
AER (variable)
Term
Instant Access
Minimum Deposit
£1
Account
Santander Easy ISA
Interest Rate
0.01%*
AER (variable)
Term
Instant Access
Minimum Deposit
£1
Account
Lloyds Bank Cash ISA Saver
Interest Rate
0.05%
AER (variable)
Term
Instant Access
Minimum Deposit
£1
Account
Nationwide 1 Year Triple Access Cash ISA
Interest Rate
0.25%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Plan Name

IDAD The Callable Deposit Plan 

Potential Return
3.5% pa
or 50% of Index growth
Term
Maximum 7 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK Growth Deposit Plan

Maximum Potential Return
12%
at end of term
Term
6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Plan Name

MB UK Kick Out Deposit Plan

Maximum Potential Return
1.5%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Barclays Bank plc

Important Information: This is a structured deposit plan and is capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the  Financial Services Compensation Scheme (FSCS), depending on your individual circumstances. In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term.

Top 10 tips for using your ISA 2021/22 allowance 

  1. Remember that you can’t carry your tax-free allowance over from one financial year to the next – so if you’ve got enough cash to hit your limit, stash it in an ISA. The  ISA allowance for the financial year 2021/22, is £20,000.
  2. Always keep an eye on your bonus rate, and be prepared to switch when it ends.
  3. You can only have one type of cash ISA in each financial year, so research your options carefully. Whether you choose a fixed-rate or instant access cash ISA, give some thought to your savings goals beforehand to help you determine what’s right for you.
  4. If you’re completely new to saving, or just need a tax-efficient place to build up an emergency fund, a cash ISA can be a good option. It’s a good way to try your hand at saving without committing yourself to anything long-term.
  5. Make the most of your ISA allowance each tax year and keep up to date with changes in annual limits. Remember that you can’t carry over any unused ISA allowance – so use it before it’s too late.
  6. Having goals can be useful for motivation. Saving for a holiday or other project can be a great way of maintaining focus. An instant access or fixed-rate cash ISA can offer a simple way to save for something specific like a holiday, home improvements, or a new car.
  7. If you know you’re likely to forget to make regular deposits in your ISA, set up a direct debit for whatever amount you can comfortably afford at the beginning of each month and you’ll never miss a payment again.
  8. You should be prepared to invest for the medium to long term with a stocks and shares ISA – for example, for five years or more. If you think you might require access to your cash in the next couple of years, a stocks and shares ISA may not be the right choice for you.
  9. Always remember that share prices can be very variable – especially in the current financial climate – and so if you were to withdraw your investment in the next twelve to eighteen months, you could end up with less money than you started with.
  10. With ISAs of all types, the deals on offer are in constant fluctuation, so shop around to ensure you’re always maximising the interest on your savings.
Individual Savings Accounts (ISAs) are a way of saving and investing without paying any tax on the returns you make.

Launched in the UK in 1999 to encourage more people to save and invest, ISAs allow you to earn interest on your savings without paying tax on it or invest in stocks and shares without being liable for tax on any returns you make.

ISAs were introduced to replace Personal Equity Plans (PEPs). Initially savers had the option of a mini ISA, which allowed investments in either cash or stocks and shares, or a maxi ISA, which combined both elements in one account.

Cash ISAs and stocks and shares ISAs replaced the mini and maxi ISAs in 2008. The current 2021/2022 tax year allowance stands at £20,000 which this can be divided between cash and investments in any proportion you wish.

It’s well-known that most of us in the UK aren’t saving enough money – in fact, it’s believed that around 8 million British adults have no savings at all. With the Bank of England base rate at a record low at the time of writing, it’s essential to compare your savings options before you make a decision, to ensure you get the best deal possible.

The primary benefit of ISAs is the tax advantage that allows individuals to profit from savings or shares without paying income or capital gains tax on that return.

The secondary benefit is that you are saving some of your income. Whether you’ve a particular savings goal in mind or you just want to ensure you’ve got an emergency fund tucked away, an ISA can provide a simple way to help achieve this.

For UK residents, ISAs should be your first savings port of call in order to avoid paying tax unnecessarily on your savings or investments.

Different ISAs are designed to meet different needs, so before you choose an ISA provider you should ask yourself a few questions.

1. Instant access cash ISAs

Instant access cash ISAs are very popular as they’re relatively simple and convenient, but consumers should shop around for the best rate as some are more competitive than others. These accounts are useful for being able to access funds in a hurry, but with the return on interest low on instant access accounts, there is an incentive to keep saving and contributing to a more profitable account. Use our services to compare instant access cash ISAs

2. Easy access cash ISAs (also known as notice accounts)

Notice accounts provide a better rate if interest than instant access accounts, but require more notice to withdraw cash –this can range from a few weeks to several months, so check carefully beforehand. Use our services to compare easy access cash ISAs and notice accounts

3. Fixed-rate cash ISAs

Fixed-rate cash ISAs have traditionally been the savings vehicle of choice for those looking to lock cash away for a set period of time in the hope of gaining a better interest rate in return. However, the current combination of a low base rate plus the funding for lending scheme leaving many banks less reliant on income for savers means that these accounts are often no longer a guarantee of high rates. Compare fixed rate cash ISAs and fixed rate cash ISA alternatives using our services.

4. Deposit plan cash ISAs (also known as structured deposits)

As an alternative to traditional cash ISAs, you may want to consider structured deposit plans. This type of account offers the potential for higher returns than those available via fixed-rate cash ISAs, by offering returns linked to an index (usually the FTSE 100). Your returns are based on market performance, but your capital is protected by the FSCS up to a value of £85,000. Use our services to compare structured deposit ISAs.

5. Investment ISAs (also known as stocks and shares ISAs)

stocks and shares ISA allows you to invest money up to a certain amount without paying tax. You can choose from options including income ISAs, growth ISAs, and share dealing ISAs. Use our services to compare investment ISAs.

 

The terms and conditions of ISA often vary slightly depending on which ISA manager you choose, so it’s essential to check things like:

  • The minimum balance requirements
  • Any limits on transfers into the account – some accounts set limits on this
  • Notice periods and penalty fees, if these apply

It’s also important to ask yourself a few questions before you start, such as:

How much of my annual ISA allowance do I want to use?

Each UK resident over 16 has an annual ISA allowance, which is set at the start of each tax year by HMRC. The tax year runs from 6th April each year, and the current ISA allowance from 6th April 2021 is £20,000.

How much tax will I save with an ISA?

Cash ISAs:

The good news is that whatever your tax bracket, you’ll pay 0% tax on any savings held in a cash ISA. People in all tax bands can benefit from this, as you can see below:

  • Savings rate taxpayers usually pay 10% tax on savings interest – with a cash ISA you pay 0%
  • Basic rate taxpayers usually pay 20% tax on savings interest – with a cash ISA you pay 0%
  • Higher rate taxpayers usually pay 40% tax on savings interest – with a cash ISA you pay 0%
  • Additional higher rate taxpayers usually pay 50% tax on savings interest – with a cash ISA you pay 0%
Investment ISAs:

A stocks and shares ISA allows you invest your tax-free allowance while only paying 10% tax on any investment income you make. This can add up to a substantial saving when you consider that, on dividends paid on a non-ISA investment, an additional rate taxpayer would have to part with 42.5% in tax.

The above information gives you a general idea of what you could save – remember that it depends on your individual circumstances and may be subject to change in the future.

What if I need to get to my money out of the ISA quickly?

If this is important to you – for example, if you’re saving for a short-term goal or to build up an emergency fund, rather than for long-term growth – then an instant access or easy access cash ISA may be a good option for you.

Latest Saving & Investment Offers

Income Plan Offer

Meteor FTSE Quarterly Contingent Income Plan

Up to 6.0% pa

  • Income paid provided the FTSE 100 Index has not fallen by more than 15%
  • Quarterly income (paid gross)
  • Maximum 8 year term
  • Early maturity potential from year 2
  • Available for ISAs and ISA transfers
  • Invest from £5,000
Our view: If you’re looking for high income, then the ability to receive 6.0% per year even if the FTSE falls by 15%, could be appealing. Capital is at risk Request Brochure »

High Growth Investment Plan

MB UK Kick Out Plan

Potential Return – 8.1% pa

  • Return paid if the FTSE 100 Index goes up by any amount on an annual observation date
  • Potential early return in years 1, 2, 3, 4, 5 or 6 
  • 6 year maximum term
  • ISA Option
  • Invest from £5,000
Capital at risk More information »
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 fscs.org.uk.