Investment Plans
Investment plans cover a wide range of income and growth bonds. The rates of return on these products may depend on the performance of the financial markets, so make sure you understand what each plan offers before investing your money.
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 | ||
|---|---|---|---|---|---|---|
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Gilliat Step Down Income Builder |
Morgan Stanley | 6 years | 6% per annum |
MORE INFO | |
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Investec FTSE 100 Enhanced Income Plan |
Investec Bank plc | 6 years | 5.76% fixed income per annum |
MORE INFO | |
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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 | |||
|---|---|---|---|---|---|---|---|
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RBS UK Higher Growth Kickout Plan |
Royal Bank of Scotland plc | Up to 6 years |
10% per annum |
MORE INFO | ||
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Investec FTSE 100 Enhanced Kick Out Plan |
Investec Bank plc | Up to 5 years |
8.5% per annum |
MORE INFO | ||
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Investec FTSE 100 Defined Returns Plan Investec Version |
Investec Bank plc | Up to 5 years |
67.5% | MORE INFO | ||
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Morgan Stanley FTSE Defensive Bonus Plan |
Morgan Stanley | Up to 6 years | 6.75% per annum |
MORE INFO Read this before you proceed Important information about this product.
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RBS UK Growth Kickout Year 1+ Plan |
Royal Bank of Scotland plc | Up to 6 years |
8% per annum |
MORE INFO | ||
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Legal and General Early Bonus Plan |
Abbey National Treasury Services plc | Up to 6 years | 8% per annum |
MORE INFO | ||
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RBS UK Step-down Defensive Kickout Plan |
Royal Bank of Scotland plc | Up to 6 years |
7% per annum |
MORE INFO | ||
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Morgan Stanley FTSE Protected Digital Growth Plan |
Morgan Stanley | 6 years | 36% | MORE INFO | ||
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Investec FTSE 100 Enhanced Kick Out Plan UK Banks Version |
5 UK Banks | Up to 5 years |
6% per annum |
MORE INFO | ||
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Morgan Stanley FTSE Protected Growth Plan |
Morgan Stanley | Up to 6 years | No Limit | MORE INFO | ||
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Morgan Stanley FTSE Accelerator Bonus Plan |
Morgan Stanley | Up to 6 years | 40% | MORE INFO | ||
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Investec FTSE 100 Defined Returns Plan UK Banks Version |
Investec Bank plc | Up to 5 years |
27% | MORE INFO | ||
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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.
Help / FAQs
Savings Guides
- A basic guide to savings accounts
- ISA savings guide
- How to save when interest rates are low
- Cash ISA vs Investment ISA
- Why it pays to switch your savings account
- Investment ISA guide
- Savings: the current state of the market
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- Your guide to children's savings
- How to save for your retirement















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