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 Step Down Income Builder	Morgan Stanley		6 years	6% per annum	MORE INFO
Up to 6% per year based on the performance of the FTSE 100 Quarterly payments Available for ISA, ISA transfer and direct investment Investment deadline for ISA transfers - 2 April 2013 Investment deadline 2012/13 ISA - 5 April 2013 Investment deadline for direct and 2013/14 ISA - 22 April 2013 Capital is at risk if the FTSE 100 Index finishes below 4,000 points at the end of the investment term, in which case your initial investment will reduce by 1% for each 1% fall below its starting value Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	Investec FTSE 100 Enhanced Income Plan	Investec Bank plc		6 years	5.76% fixed income per annum	MORE INFO
5.76% income paid regardless of the performance of the FTSE 100 Monthly income Available for ISA, ISA transfer and direct investment  Investment deadline for ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 Product designed to be held for the full term

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
	RBS UK Higher Growth Kickout Plan	Royal Bank of Scotland plc		Up to 6 years	10% per annum	MORE INFO
10% for each year (not compounded) provided the FTSE 100 finishes 5% higher than its starting value (subject to averaging)   Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 16th April 2013 Investment deadline 2013/14 ISA - 30th April 2013 Investment deadline for direct investment - 30th April 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £5,000 An arrangement fee applies to this plan Plan designed to be held for full term
	Investec FTSE 100 Enhanced Kick Out Plan	Investec Bank plc		Up to 5 years	8.5% per annum	MORE INFO
8.5% for each year (not compounded) provided the FTSE 100 finishes higher than its starting value (subject to averaging) Potential to mature early, from year 1 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 Product designed to be held for the full term
	Investec FTSE 100 Defined Returns Plan Investec Version	Investec Bank plc		Up to 5 years	67.5%	MORE INFO
Fixed return of either 40.5% at the end of year 3 or 67.5% at the end of year 5 provided the FTSE 100 finishes higher than its starting value (subject to averaging) Potential to mature early at the end of year 3 Available for ISA, ISA Transfer and Direct Investment Investment deadline ISA transfers - 10 May 2013 Investment deadline for direct and ISA - 4 June 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 An arrangement fee applies to this plan Product designed to be held for the full term
	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. Deadline for ISA transfers: 1st May 2013
6.75% for each year (not compounded) provided the FTSE 100 finishes at least 95% of its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA Transfer and Direct Investment Investment deadline for ISA transfers - 1 May 2013 Investment deadline ISA & non-ISA investments - 15 May 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than 95% of its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 Product designed to be held for the full term
	RBS UK Growth Kickout Year 1+ Plan	Royal Bank of Scotland plc		Up to 6 years	8% per annum	MORE INFO
6 year structured investment plan Potential for early maturity after years 1,2,3,4 or 5 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	8% per annum	MORE INFO
8% for each year (not compounded) provided the FTSE 100 finishes equal to or higher than its starting value Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 14 June 2013 Investment deadline for direct and ISA - 28 June 2013 Capital is at risk if the FTSE 100 Index has fallen by more than 50% at maturity from its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 Product designed to be held for the full term
	RBS UK Step-down Defensive Kickout Plan	Royal Bank of Scotland plc		Up to 6 years	7% per annum	MORE INFO
7% for each year (not compounded) provided the FTSE 100 finishes above 97% of its starting level in year 2, reducing by 3% each year down to 85% in the final year Potential to mature early, from year 2 onwards Available for ISA, ISA transfer and direct investment Inestment deadline for ISA transfers - 16 May 2013 Investment deadline ISA & non-ISA investments - 24 May 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than 85% of its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £5,000 An arrangement fee applies to this plan Product designed to be held for the full term
	Morgan Stanley FTSE Protected Digital Growth Plan	Morgan Stanley		6 years	36%	MORE INFO
6 year structured investment plan Capital protected Potential return of 36% Available for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Investec FTSE 100 Enhanced Kick Out Plan UK Banks Version	5 UK Banks		Up to 5 years	6% 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 Protected Growth Plan	Morgan Stanley		Up to 6 years	No Limit	MORE INFO
Maximum 6 year structured investment plan Capital protected Potential for early maturity growth return of 15% Available for ISA transfers Also available to businesses, charities and trusts Plan designed to be held for full term May close early if oversubscribed
	Morgan Stanley FTSE Accelerator Bonus Plan	Morgan Stanley		Up to 6 years	40%	MORE INFO
Potential fixed return of 40% from year 3 onwards provided the FTSE 100 finishes 5% or higher than its starting value Available for ISA, ISA transfer and direct investment Investment deadline ISA transfers - 24 May 2013 Investment deadline for direct and ISA - 3 June 2013 Capital is at risk if the FTSE 100 Index falls by more than 50% during the term and finishes lower than its starting value, in which case your initial investment will reduce by 1% for each 1% fall Minimum investment £3,000 Product designed to be held for the full term
	Investec FTSE 100 Defined Returns Plan UK Banks Version	Investec Bank plc		Up to 5 years	27%	MORE INFO
5 year structured investment plan Potential early maturity of 27% Potential final maturity of 45%  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

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.

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