Structured 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
| Product Name | Income Yield per annum This percentage indicates the potential annual income from the interest received from the investment. |
ISA Option
This indicates whether the investment product is available as an ISA. |
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| Stocks & Shares | Cash | ||||||||||||||||
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 | Meteor FTSE Income Deposit Plan 5 | 7.50% | MORE INFO Read this before you proceed. This investment has the following criteria.
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| A 6 year capital protected structured deposit plan with the potential to pay 7.50% annual income. Also available as a cash ISA and for ISA transfer. | |||||||||||||||||
 | Investec FTSE 100 Bonus Income Plan 20 | 6.75% | MORE INFO Read this before you proceed. This investment has the following criteria.
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| 5 year structured investment plan. Fixed income of 6.75% pa with 0.5% potential annual bonus. Monthly income option. ISA transfers allowed | |||||||||||||||||
 | Legal & General Managed Income Fund | 4.70% | MORE INFO | ||||||||||||||
| Invest for high income from a managed portfolio which may include government and other public securities and fixed interest securities. | |||||||||||||||||
| Legal & General Fixed Interest Fund | 4.50% | MORE INFO | ||||||||||||||
| Provides an income by investing in fixed interest securities issued by governments and companies. | |||||||||||||||||
| Legal & General Managed Monthly Income Fund | 4.50% | MORE INFO | ||||||||||||||
| Aims to generate high income from a managed portfolio, which includes fixed interest securities and government and other public securities. | |||||||||||||||||
Investing for growth
| Plan Name | Maximum Potential Growth Return
The maximum potential return at the end of the full investment term. This will only be met if annual investment performance targets are reached and invested funds are held until maturity. |
Term
The duration of the investment. If you remove your funds before maturity you may get back less than originally deposited. |
Capital Protected
Capital protected funds, sometimes referred to as capital guaranteed funds, include a guarantee that the investor will receive a percentage (often 100%) of their initial investment amount back should the fund perform poorly. |
ISA Option
This indicates whether the investment product is available as an ISA. |
ISA Transfer Option
This indicates whether you can transfer your existing ISA balance to this account. Transferring existing ISA balances will not affect your annual ISA allowance. |
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| Stocks & Shares | Cash | |||||||||||||||||||
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| Investec FTSE 100 Enhanced Kick-Out Plan | 13.50% per annum | 5 years | MORE INFO Read this before you proceed. This investment has the following criteria.
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| Structured investment plan with the potential to mature after years 1, 2, 3 and 4. If the plan matures early it will return 13.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer. | ||||||||||||||||||||
 | Gilliat Deposit Kick Out Plan - February 2012 | 8.25% per annum | 5 years | MORE INFO Read this before you proceed. This investment has the following criteria.
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| A 5 years structured deposit plan with the potential to mature early, paying 8.25% for every year the plan is in place. Also available for Cash ISA and ISA transfer. | ||||||||||||||||||||
 | Legal & General Inflation Protected Deposit Bond 2 | RPI Tracker | 5 years | MORE INFO Read this before you proceed. This investment has the following criteria.
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| 5 year capital protected structured deposit plan offering 100% of any growth in the Retail Prices Index with no cap (minimum return of 16%). Also available for Cash ISA and Cash ISA transfer. | ||||||||||||||||||||
 | Scottish Friendly Select Investment Plans | varies | 10 years | MORE INFO | ||||||||||||||||
| The Scottish Friendly UK Select Investment Plan is a 10 year investment designed to help you take full advantage of your tax-free allowance | ||||||||||||||||||||
| Investec 3 Year FTSE 100 Plan 30 Option 1 | 19% after 3 years | 3 years | MORE INFO Read this before you proceed. This investment has the following criteria.
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| This structured capital protected deposit plan offers a maximum return of 19% at maturity. Also available for Cash ISA and Cash ISA transfer. | ||||||||||||||||||||
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 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. Please ensure that you read the Important Risk Information for further details. 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.
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