Fair Investment

read more4% interest each year is a strong headline return, especially when this can be achieved even if the FTSE 100 Index falls up to 25%. The MB UK Quarterly Contingent Income Plan pays 1% at the end of each quarter, provided the FTSE 100 Index has not fallen more than 25% below its level at the start of the plan - that's a potential 4% interest per year. If the Index does close below this level, no interest is paid for that quarter. The plan has a maximum term of 6 years, but also offers the opportunity to receive your initial capital back in full before then if the FTSE is at or above its initial level at the end of each quarter (from year 2 onwards).

read moreFair Investment Company combines online expertise and experience with financial services knowledge through established and trusted professional relationships to create an online financial intermediary which is unique within the world of savings and investments. Our diverse range of expertise brings together a deep understanding of the challenges facing both savers and investors as well as providers who are looking to bring compelling savings and investments products and services to market. This allows us to work strategically and help bridge the gap that exists within this constantly evolving environment.

read moreOur view: L&G have a good range of low cost funds including index trackers and a range of funds that focus on the environment. You can start a new ISA or transfer in an existing ISA. Capital at risk. If you are new to investing or simply don't have the time to look after your investments then a ready made portfolio may be right for you. Ready made investment portfolios allow you to leave the work of selecting investments to an expert. A number of Investment platforms offer this service in which model portfolios are set up to suit a range of different investment goals and where you can decide based on your attitude to investment risk what is right for you.

read moreWhy we like it: For larger pension funds, Interactive Investor offer a flat fee SIPP which over the longer term could save you money as costs stay the same as your portfolio grows. Why we like it: Whether you are just starting your pension journey or looking to consolidate your pension or you are at or near Retirement, Legal & General's Self-Invested Personal Pension (SIPP) is a flexible, tax-efficient way of saving for your long-term future. You can pay money into the plan up until you're 75. You can start withdrawing money from as early as 55.

read moreFixed rate: Your repayments are fixed for the duration of the fixed term, no matter what happens to interest rates. At the end of the stated term the interest rate reverts to the Virgin Money Variable Rate. You can apply for this mortgage: If you are an existing Virgin Money Customer or not. While there is a greater onus on mortgage lenders to lend responsibly you will also need to consider what level of borrowing is appropriate for your circumstances. In simple terms lenders will base how much you can borrow on a multiple of your income (joint income for couples).

read moreIf you need only short term cover for car, van, motorbike or home insurance from 24 hours you can compare quotes and buy online in minutes through our partner Tempcover. If you have a mortgage and you have dependents protecting your mortgage liability in the event of your death should be a top consideration. Using our service through Activequote you can compare live prices from leading UK insurers and buy online. Insurance allows you to protect you and your family against risks of financial loss e.g. as a result of a car accident, house fire, theft, illness or death.