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OEIC Benefits over other products
hello there, can anyone explain to me the benefits of putting £7000 in a lump sum OEIC MAXI ISA as opposed to a cash isa and or high interest deposit account?
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When to send money to ISA?
Hi all Just rearranging a few things and thinking about how I'm going to take advantage of next year's mini cash ISA allowance. My question is, at what stage do you lot hit the "transfer" button (assuming you use online banking) in order to get the money from wherever you have it into the ISA as close as possible to the…
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Sorting out my PEPs and ISAa
Apologies for the length of this post, hope it makes sense. I am reviewing my stocks and shares PEPs and ISAs. This is what I currently have. Scottish Widows PEP invested in their "UK Equity Income Shareclass A" fund value £10000. Virgin PEP invested in Virgin UK Index Tracking fund value £17000. Virgin ISA invested in…
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Transferring ISA
Hi, I think i understand but can someone clarify for me. If I have paid £3000 into an ISA last year with a provider and £1500 this year so far and decide I want to move that ISA to another provider - can I do this, and then put in the final £1500 into the ISA at the new provider? So basically the new provider will accept…
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Opening NS&I Direct ISA (how to handle current ISA)
Hi all. I have a HSBC cash ISA for two years now which due to getting into a property I just almost emptied. I want to open a NS&I Direct ISA which says that one cannot transfer from another ISA provider (not really interested as I have almost nothing in my HSBC ISA). Therefore I guess I will only benefit from the NS&I…
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Fund selection: Critique
Hello everyone Been lurking on the board for a while and thought it about time to post. I have been researching ISA funds for a while and have come up with the following, in conjunction with citywire. I have been saving 2 X £250 per month in regular savings accounts, which will give me at least £400 to place into an ISA…
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Mini-isa advice
I'm currently consolidating my money and closing down my bank accounts that don't have much money in them. As part of this I plan on closing my mini-cash isa with the West Brom that has about £100 in it. Would I be best to wait until April before closing it or will it make no difference in terms of interest earned. I don't…
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Clarity please on ISA Information I have just read
I have just downloaded an article on ISA's from Investment UK and just started to read it and there, as a bulleted point, was this - 'Money held in the cash component of an ISA is entitled to a tax re-claim of 20%' Does that mean - (a) Which - I am sure it doesn't my husband who is a non-taxpayer now could claim something…
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Maxi ISA transfer
I have a Standard Life ISA invested in the Corporate Bond Fund Income and UK Equity High Income account. I started it in 2001, saving £100 per month and my last contribution to it was in April 2005. Since then, my ISAs have been with Invesco. The Standard Life ISA has not been performing well in comparison to the Invesco,…
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Interest calculation on Fixed Rate ISA
Thought I knew the answer to this ...but? A number of my ISAs are fixed rate / fixed period .. with Halifax. I'd always assumed they compound the interest .. but the only info they provide is :- .... which tells me when it's paid, but starts to raise some doubts as to how it's calculated? If I ring them twice - I'll get…
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A couple of silly Cash-ISA questions.
A couple of silly questions. - Is the YBS e-ISA still the best online Mini-Cash ISA out there that will accept transfers (I have about 5K to shift)? - During a transfer, do you temporarily have "2" ISA's? Or does the new provider take over the handling of the current year, along with your remaining allowance.... Sorry if…
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Transfer Toisas Question
I have a Toisa with one provider & a mini cash Isa with another, question is can I transfer the Toisa somewhere better without it being detrimental to my existing Isa which I top up each year,,,,,,,,,,
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Halifax ISA --> NS&I
Hello All, With around £6k in my Halifax ISA @ 5.25% and April fast approaching, I'm thinking about moving this to NS&I with their nice 5.8%. Also, my wife is going to open her first ISA this month. Any thoughts on this plan please? If Halifax were to match NS&I, I'd stay with them. As the sum invested grows though, I'm…
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ISA Transfer
Hi All, very quick (and probably stupid) one...I read through the ISA transfers article, but couldn't see an answer to this: Does it matter when you transfer your isa? I tend to think of them as paying off anually, so if I were to transfer now, would I love all the interest up til now? I have a barclays mini cash isa thing…
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Any special offers for ISA
Hi, With the tax year 2006/07 approaching and the next tax year starting, do you think there will be special offers for cash ISA or Share ISA eg introductory interest rates, or reduced initial charge etc. I have £6000 now but not sure whether I should invest now or wait til April/May to check with any special offer might…
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first time isa question
hi im after some advice on isa's as am completely clueless. Myself and my husband have £6000 savings in our normal bank account and would like to make better use of this by putting it into two isa's. Firstly once in an isa can we dip into it when needed or not and also which isa is the best for us to use. We also have £200…
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YBS will increase their rates to full .25% this Sunday
Hi all, I went to open a regular saver on our local branch and was told by their staff that they are increasing their rates to .25% this Sunday. If indeed it is true then their eISA will be 5.65% and I might consider moving my Direct ISA Issue 2 from A&L to them before April unless A&L will introduced new ISA products by…
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Quick isa query
Hi All, Just a quick question; I have used up all of my cash mini isa allowance for this year and I also pay £40 a month into a stock and shares mini isa with Legal and General, however am I also allowed to open another stocks and shares isa with Hargreaves Lansdowne into which I am anticipating paying in £100 a month?…
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Kent Reliance BS Direct ISA rate increased to 5.71%
Kent Reliance BS will increase the rate on their Direct Mini Cash ISA by the full 0.25%, from 5.46% to 5.71%, effective from the 1st February 2007. [Source: The Daily Telegraph, Your Money supplement] Here is a link to the article. The new rate is featured under the 'Cash Isa's' section.
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TOISA 'splitting' and multiple TOISAs
(One for the ISA smurf I think) Looking into opening accounts with as many building societies as possible, I note that many of the smaller ones do accept 'TOISA' money for new (as distinct from 'existing') membership accounts. They pay at least as much as their ISAs and in some cases even more. But that means a transfer-in…