Choose a type of savings account to compare from the list below

Investing for income

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 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.

	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return
	Gilliat Income Builder Plus	Morgan Stanley		5 years	8.40% per annum	MORE INFO
5 year structured investment plan Potential maximum quarterly income of 2.10% (8.40% per year) ISA transfers allowed Capital at risk Income is not guaranteed Plan designed to be held for full term
	Investec FTSE 100 Bonus Income Plan	Investec Bank plc		5 years	7.50% per annum	MORE INFO
5 year structured investment plan Fixed income of 7.50% pa includes a 0.50% potential annual bonus Monthly income option ISA transfers allowed Capital at risk Plan designed to be held for full term May close early if oversubscribed

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 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.

Investing for growth

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 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.

	Plan Name	Counterparty	ISA Option	Term	Maximum Potential Return
	Investec FTSE 100 Enhanced Kick Out Plan Investec Version	Investec Bank plc		Up to 5 years	13% per annum	MORE INFO
5 year structured investment plan Potential for early maturity after years 1,2,3 and 4 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Morgan Stanley FTSE Defensive Bonus Plan	Morgan Stanley		Up to 6 years	9.50% per annum	MORE INFO
6 year structured investment plan Potential early maturity return of 9.50% x the number of years the plan has been active  ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Legal and General Early Bonus Plan	Abbey National Treasury Services plc		Up to 6 years	9% per annum	MORE INFO
6 year structured investment plan Potential for early maturity after years 1,2,3,4 and 5 ISA transfers allowed Also available to businesses, charities & trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Morgan Stanley FTSE Booster Plan	Morgan Stanley		6 years	60%	MORE INFO
6 year structured investment plan Potential defined return of 60% - even if the FTSE 100 falls by up to 20% ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Investec FTSE 100 Geared Returns Plan	Investec Bank plc		5 years	80%	MORE INFO
5 year structured investment plan Potential defined return of 80% ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Legal and General Growth Plan	Abbey National Treasury Services plc		5 years	60%	MORE INFO
5 year structured investment plan Potential defined return of 60% Available for ISA transfers Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Investec FTSE 100 Accelerated Growth Plan	Investec Bank plc		5 years	No limit	MORE INFO
5 year structured investment plan Returns 2.5 x any potential FTSE 100 growth ISA transfers allowed Also available to businesses, charities and trusts Capital at risk Plan designed to be held for full term May close early if oversubscribed
	Morgan Stanley FTSE Protected Growth Plan	Morgan Stanley		6 years	35%	MORE INFO
6 year structured investment plan Capital protected Potential for early maturity growth return of 35% Available for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed

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 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.

More about investment plans

If you want to maximise the returns on your money, you might need to consider an investment plan.

Provided by accredited personal financial advisers - either within the high street banks or specialist financial institutions - these usually involve spreading your money around a number of different investments in order to gain a high level of return.

Investment plans can be used for a high level of growth on your savings - potentially more than 20 per cent per year - or to provide an ongoing income to live off. Your motivations will be a key factor in how long the money is tied up for and what kind of return you can expect.

Most often, investment plans are based around stocks and shares or other investments, like pension funds, that are not guaranteed - therefore your money is liable to go up as well as down. You can take measures to minimise the risk you face though. If you decide you are only comfortable with a small level of risk the bank will spread your money out among a higher number of investments and will only choose the ones that it deems safe. This could hinder your potential return though.

Investment plans should be held as a portfolio of products tailored to your specific economic situation, with a tiered structure of deposit type, risk and return.

It is essential to get professional advice on investment plans before making any decisions.

Read our investment plans guide.

Important – Use of knowyourmoney.co.uk is subject to our Terms of Use