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Investing for Income

Generating an income from your savings is an important requirement for people who are retired or those who need to supplement their salary.

If you are considering building a portfolio of income-producing funds, your first priority should be to decide the level of risk you're happy with and the investment term.

Income Options

Some of the most popular forms of income investment are

  • Cash, which pay a regular, consistent rate of interest either annually, twice a year or four times a year.
  • Shares in the form of dividends
  • Bonds (which are also known as 'fixed income' investments)

 

Investment Funds Investment Bonds Income Bonds Growth Investments

 

Provider Account Income More Info
Gilliat Gilliat Income Builder 8.4% p.a.
A 5 year structured investment product that pays a potential maximum quarterly income of 2.1%, equivalent to 8.4% per year.
Meteor Meteor FTSE Income Deposit Plan 7.00% p.a.
A 6 year deposit-protected income deposit plan linked to the performance of the FTSE 100. The product offers fixed returns on an annual basis.
Investec Investec FTSE 100 Bonus Income Plan 7.00% p.a.
A 5 year income product linked to the performance of the FTSE 100. The product offers fixed returns on either an annual or monthly basis and bonus payments of 0.5% per annum if the Bonus Index Level is higher than the Initial Index Level.
Met Life Met Life Income for Life Up to 5.00% p.a.
The Met Life Secure Income Option enables you to take a guaranteed income of up to 5% for life regardless of market conditions.

The value of investments and any income you take from them can go down as well as up and the value of your investment cannot be guaranteed and the final value will depend on the performance of your investment.

The products contained in this table are a sample of those that were available on 27th October 2011. The table does not include all of the products available and those seleted are not necessarily a representative sample of the whole market. Furthermore they do not constitute either the cheapest or most suitable products available and we recommend that you seek independent financial advice before making any changes to your financial affairs

Income Funds

There are also many equity funds are set up solely with the aim of generating a stable income.

Some of the income generating options include:

Advice on investing for an income (free no oligation initial review)

For more information on generating an income either now or in later life please speak with one of the independent investment advice teams from one of our partner firms for a no obligation consultation on how best to make your savings work for you in retirement.

Independent Investment Advice

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