ISAs & tax-free savings

Archives for January 2005

ISA or offset mortgage?
Apologies for reposting this from elsewhere... I have read some articles recently suggesting that placing money into an offset mortgage account would be more beneficial than putting the same into an ISA. I have 2 questions: 1. How do I calculate the best option? Do I simply compare the rates? How does the tax break on the…
Abbey Mini-Cash ISA - Transfer paperwork problem!
Hi, A family member is wanting to transfer their mini-cash ISA from the Abbey to a new provider. Its a branch-based ISA and I think its also a CAT standard. However, they're getting the runaround between new provider (NP) and Abbey as to who is responsible for generating the transfer paperwork - NP says its the Abbey and…
Advice Needed
Hi all you fine people. I need some advice on what to do. im paying £100 a month into a cash ISA, and £200 a month into a Natwest investment ISA. At the moment i have around about £1200 in my cash ISA , and £1800 in my Investment ISA, im saving up for a deposit onto a house, is it safe to keep my money in the Natwest…
Missold ISA?
Hi, 5 years ago, my mum received some unexpected money to the sum of £2000, and she wanted to put this into an account where she COULDN'T get instant access to it. She just wanted to keep it in an account where it would earn a reasonable amount of interest and tick along for a "rainy day". She was also in a position where…
Splitting Existing CashISAs
Hi everyone, A quick question regarding Cash ISA transfers! I have a large pot in a Cash ISA which I've built up using my allowance over the past 5years. I'm in a situation now where a portion of this is long-term savings and a smaller portion is stoozed funds. I'm interested in somehow splitting this up via a transfer…
Basic cash ISA questions
I currently have a cash ISA with natwest and have paid in the full amount allowed this year. Should I move my isa elswhere to get a better rate? If so is there a charge? Can I transfer the full amount into my new isa or do I have to wait till the next tax year as I have already paid in my limit? Can anyone tell me who…
Can Someone Help Me
Hi Folks, Ok here we go i have currently in my InstantISA(with Nationwide) £1,800 in. Every month from my salary i put away a minimum of £150 (of which i still have 7 months of my job left). I have also been left as part of a family member's will £2,000 which i will be receving soon. Plus also i have some bonds to the…
Tracker comparison/listings???
I cant find anywhere that does a comparable list of trackers available, lods of site list funds etc but trackers i'm stuck - also do tracker qualify for the stocks & bonds ISA allowance?
ISA, income tax & gains
Ok I've read many of the threads etc . but roughly in cash or percentage terms, what kind of differences are we talking about? As I currently only work part time and take home about £2000 a year , I still seem to be paying some income tax . Not sure why I thought I wouldn't as isn't it below my personal allowance? Can…
FIDELITY MINI S & S ISA
MY HUSBAND PAYS £50 A MONTH INTO THIS ISA TO USE FOR LONG TERM INVESTMENT. HE WANTS TO INCREASE CONTRIBUTIONS TO AROUND £200 PER MONTH BUT BEFORE HE DOES HE WANTS TO KNOW WHETHER THIS IS A GOOD ONE OR NOT. IT MENTIONS ON THE STATEMENT INITIAL CHARGES OF 3.25% - HE'S HAD THE ISA FOR OVER 3 YEARS - WILL THIS BE THE AMOUNT…
Invesco funds - fees?
just as a rule of thumb examples what sort of fees might i have to pay both start up, annualy and selling on a fund such as the Invesco Aggressive Uk fund, if i put say £3k in?
CASH TRANSFER FEE FOR ISAS
Mindful that I needed to get money into an ISA before the end of the current tax year I duly did the research and selected Portman as they were in the top 10. However, a note tucked away in their literature says that if you want to transfer out at any time they are now going to charge a fee. I was told this is currently…
Can I buy shares and get ISA tax benefits
I'm going to put £3k into a cash ISA, but i also fancy having a little flutter buying shares myself, nothing major and definetly under the £3k ISA stocks & bonds limit but can these be packaged as an ISA somehow for tax purposes? Would this mean paying fees to someone to do so? I was planning to just buy them myself before…
Which high risk specialist fund ISA?
I have between £3k & £6k to put into a high risk specialist fund ISA for 1-2 years. What are my options? and what gives the highest yield/risk and is still easily with drawn witin say 2 months? thanks in advance
When can I pay into my ISA?
Hi, I have an Abbey Postal ISA which I opened around October time. I deposited £3000, so when I can I pay into the account again? Do I have to wait a full year 'til October, or just until the new financial year in April? Thankyou.
What will i do with money??
Right folkes i am a bit confused ???I am 31 years old and its now time to think about the future me thinks. I just had a guy round from the CIS bank with a chq for £775.This was for a 15 years sayings account that my parents did for me(£3 Per month).Now in our views that investments was not worth it.So he suggest taking…
Great easy way 2 donate £1.50 for the tsunami fund
please follow this thread and find an easy way to donate £1.50 to the official tsunami fund :) :):) http://forum.moneysavingexpert.com/cgi-bin/yabb/YaBB.cgi?board=Free;action=display;num=1104943049;start=0
I.F. Mini Cash ISA Bonus Ends 31/01/05
Should I.F. not extend their bonus period end date [as they did last time] their bonus of 0.3% applying to their Mini Cash ISA will end on 31st January. :'( Therefore I’m assuming that their rates will drop on the 1st February from: 5.10% to 4.8% Gross for interest paid annually 4.98% to 4.68% Gross for interest paid…
"Computer Says No" Award to Abbey and Na
My old man has been meaning to open a mini cash isa for a while and finally got round to it this week. I'd suggested he check out the Nationwide and Abbey. He is not online, in his 60s and prefers to visit a branch. 1st stop - Abbey. He has an acct there already. "I've got all my letters, ID docs, NI number etc - can I…

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