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Compare Investment ISA Deals

Crowd2Fund
Peer to Peer ISA Crowd2Fund
Open from £10
Term 1 - 5 Years
Annual Interest Up to 8.70%

Why we like it:  Crowd2Fund’s Finance ISA is designed to make it easier for savers to invest while managing a diversified portfolio. You can transfer existing ISAs (Crowd2Fund will help you do this) and earn an estimated 8.7% APR* return tax free.

Disclaimer: When making a peer to business loan, your capital lent to a borrower is not covered in the event of loss by the FSCS

Investec
FTSE 100 Enhanced Income Plan Investec
Min deposit £3000
Term 5 years
Fixed Income 4.35%

Why we like it: TAX FREE FIXED INCOME: 5 year investment plan paying a fixed monthly income of 0.3625% (equivalent to 4.35% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.

Disclaimer: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.

Meteor
FTSE Monthly Contingent Income Plan Meteor
Min deposit £5000
Term Up to 10 years
Maximum Potential Income 6.00%

Why we like it: A maximum 10 year investment plan paying a potential monthly income of 0.5% (equivalent to 6% per year) and the opportunity to mature early quarterly from 18 months onwards. Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.

Disclaimer: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.

Investec
FTSE 100 Defensive Income Plan Investec
Min deposit £3000
Term Up to 8 years
Maximum Potential Income 7.25%

Why we like it: A maximum 8 year investment plan paying a potential quarterly income of 1.8125% (equivalent to 7.25% per year) and the opportunity to mature early from year 2 onwards. Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.

Disclaimer: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying Index or commodity. 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.

Scottish Friendly
My Select ISA Scottish Friendly
Open from £10
Term No fixed term
Investment Linked Choose from 8 funds

Why we like it: Invest tax-free from £10 a month or a £50 lump sum — or a mix of both.You can raise, lower, stop and restart your payments any time you like.Your money will be invested in a My Choice policy within a Scottish Friendly Junior ISA which invests in your choice of funds. When you start investing we'll send you a £25 My Rewards card which can be redeemed for gift cards at over 50 UK retailers.

Disclaimer: The value of your investments can fall as well as rise, so you could get back less than you paid in.

Shepherds Friendly
Stocks & Shares ISA Shepherds Friendly
Open from £30
Term No fixed term
Investment Linked Invested in With Profits fund

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.

Disclaimer: The value of your investments can fall as well as rise, so you could get back less than you paid in.

Compare investment ISA options

Looking for a great investment ISA?

Peer to Peer ISA

The Innovative Finance ISA or IFISA is the latest addition to the ISA family launched in April 2016. Peer to Peer lending (P2P) allows savers to directly lend to borrowers cutting out banks.

According to a report commissioned by innovation charity Nesta £1.7 billion was lent in P2P in 2014. The government has been keen to encourage P2P lending and the launch of the ISA wrapper to allow tax free returns is an extension of this support. 

1. Crowd2Fund P2P ISA

Crowd2Fund is an alternative solution to an out-of-date financial system, and the only FCA regulated crowdfunding platform to offer 5 models of finance, across debt and equity investments. They provide attractive investment opportunities and simple finance, ensuring businesses get access to funds at competitive rates and investors get generous returns on their investments.

Click here for more information on Crowd2Fund P2P ISAs »

Structured Investment ISA

Structured Investments are designed to offer investment growth or income with performance linked to an underlying asset e.g. the UK stockmarket. They can be held within a variety of wrappers such as a stocks and shares ISA. Structured investments provide investors with the opportunity to invest in stockmarkets and other asset classes with pre-defined risk and returns potential. 

2. Investec FTSE 100 Enhanced Income Plan

If you are looking for a high level of income and want to know exactly how much interest you will receive, when and for how long, then you may want to consider for your ISA the FTSE 100 Enhanced Income Plan from Investec.

This plan pays a fixed income of 0.3625% each month (equivalent to 4.35% each year) which in an ISA is tax free. the plan has a fixed term of five years. At the end of the plan, your original capital is returned in full unless the FTSE 100 Index has fallen by more than 40% at the end of the term from the initial level. If the Index has fallen by more than 40%, then your initial capital will be reduced by 1% for each 1% fall. The fixed income is also available tax free if you transfer existing ISAs.

Click here for more information Investec FTSE 100 Enhanced Income Plan »

Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. 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.

Things to consider with an investment ISA

  • Be prepared to invest for the medium to long term with a investment ISA - five years or more is recommended.
  • Different investment ISAs have different investment options. These range from as little as £10 per month (e.g. through a fund) to a specified minimum investment (e.g. £500).
  • Online access - Some ISA providers will provide online access to your investment allowing you to see performance of your ISA. 
  • Have an existing investment ISA which is not performing well? - If your current investment ISA isn't performing as well as you'd like, you will usually be permitted to transfer it another provider. To do this, speak to your new ISA manager who will arrange the transfer, allowing you to avoid losing any tax benefits by withdrawing your cash. 
  • With an investment ISA, there is greater long-term growth potential than a cash ISA - however, bear in mind that the value of your investment can go down as well as up. 
  • If you have an investment ISA from a previous tax year, you're permitted to move this into a current investment ISA or split it between more than one investment ISA. 
  • If you want to open a Junior ISA for your child or grandchild you can also invest in investment on their behalf up to a maximum of £4,128.

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