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Fund Selection for Isa
I'm just in the process of setting up a maxi ISA for my wife and I with Hargreaves Landsdown for the 2007-08 year. Being able to put £50 into each fund means we can have a selection of 24 funds. I have come up with the follwing and would welcome any comments. Money isn't needed and is for long term investment 10-20 years.…
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Really daft question
This is such a basic question I'm really ashamed to ask it. I've always gone for stocks and shares ISAs and have never needed to remove any of my cash at any time. My daughter wants to put £3k in a cash ISA but may need to get at it before the financial year is out - is this allowed? I've never needed to know myself, so…
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An ISA transfer question
Sorry if this has been answered before! I have 1.5k in a mini cash isa which pays 5.1% If I transfer this into another mini cash isa which pays a better rate does this affect my isa allowance for the tax year in which it was transferred, or does this transfer get taken off my allowance for that year? Also does this affect…
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How many ISA's!
Hi I'm sure this question is answered in this forum somewhere - so apologies now. I've got an ISA with NS & I for the tax year 06/07. I want to carry on using this next tax year 07/08 for the full allowance of £3,000. I have some savings on top of this that i want to put in the new Barclays ISA to use as a sort of savings…
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date of 'end of financial year'..?
is it the 5th april?
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A&L have sent my ISA to Darlington!
I'm sure Darlington is a very nice place, although I've never been there myself, but I asked A&L to send the funds to Kent Reliance. I've just called them up and got the "No idea why that has happened" story. Now I'm waiting for the ISA Transfer Team to call me back. Obviously I will insist that they compensate for loss of…
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Barclays contradicting themselves
There seems to be contradictory messages from Barclays about how the ISA is operated. I was told that the branches have no role other than checking the form and ID – they just internal mail to the Barclays ISA Office, Glasgow – which we know as the freepost address. Branches are not allowed to clear ISA cheques – they have…
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ISA Shares and Fund Income - income tax
Sorry I'm confused. https://www.incademy.com says: "1. Income from investments held in an ISA qualifies for tax credit So interest payments on bonds, and dividends from shares, are free of income tax. From 6th April 2004, dividend income from shares held in ISAs became taxable, but until then it wass tax free. Interest on…
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ISA Transfer Confusion
I am yet to use this years allowance and I am also thinking about transferring my existing ISAs (I currently have 2 different accounts) to consolidate them into an account with a better interest rate as they have both dropped since i opened it. Having read through all the 'Cash Isas Transfer discussion'…
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ISA Application in Time?
Hi There, I applied online for an NS&I Direct ISA last Thursday (29th March) & they took the money from me the following day by electronic transfer. When I applied I got a note from them saying that they will send me a confirmation for me sign so they can process the application. Up until now I haven't received this form &…
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A question about SS ISA
After opening a stocks and shares ISA for say £7000 and including a equity fund, can I then change this in later years to a different fund? What I am trying to say is: can I chop and change what is included in my stocks and shares ISA?
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Share Trading ISA - Is this worth it?
I have an account with etrade that I use for share trading - I can switch this to an ISA account for £2.50 a month. Is it worth doing this? How much tax will I have to pay if I don't on the gains and dividends I earn. Any help much appreciated, not quite 100% sure how all this ISA stuff works, but keen to use my allowance…
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Opening an ISA with a cheque
This may seem like a daft question... I am going into a Barclays branch to open one of their ISAs so I can get my £3k in before the 5th April deadline (only just managed to get the cash together), but I've just thought...if I open it with a payment by cheque on the 3rd April, and the cheque doesn't clear until the 6th…
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Should I transfer my money from Nationwide's Instant Cash ISA?
:hello: I know I have very little time but I was wondering whether it would be better to transfer my money approx 4.3k from this account into a different one with the Nationwide. The interest on the Nationwide Instant Cash ISA for this amount is only 5.10% AER but the 1 or 2 year Fixed Rate ISA Bond is 5.85%. I don't need…
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Thinking to the Halifax Fixed Rate ISA
Hi all, I have all my ISA money with A&D Direct ISA Issue 2. A nice bonus associated to this account will expire on the 30/4/07 and I am looking for transfer it all somewherelse in the next month. Would like to have something a bit more stable for a while, so I am thinking to the Halifax Fixed Rate ISA (4 years option),…
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Beware of Abbey's 8.1%
Nearly went for this until I read this Nearly went for this until I read this http://www.investorprofit.com/banking/bank-66.html
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alliance and leicester ISA
Hi all what do you guys make of this offer ? alliance and leicester ISA im thinking of going with them i believe i can get 25 from rpoints are there any other or better referal things for opening them also is it only available to new customers ? thanks all
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Halifax fixed rate ISA
How good is the Halifax fixed rate ISA? It seems to me that when you open up a mini cash ISA it is a pain to move to another provider when the inevitable happens and the rates doesn't follow the bank rate upwards (they will certainly follow it downwards) or the initial bonus disappears. So a fixed rated for 4 years of 6%…
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Barclays tax beater ISA - Anyone had their chq cashed?
Hi there I went into my local Barclays branch a week past Saturday and opened one of these ISA's for the 2006/07 tax year. I sat down with an advistor while he went through the application process and photocopied my proof of ID documents and gave him a chq for the full £3,000. He said he couldn't give me a reciept but…
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6th April is a Bank Holiday - ARGH!!!
Hello people, I've just realised that 6th April is Good Friday... i.e. we won't able to stick money into our ISA's on this day..as banks etc.. will be closed. ...so my question is... can we stick it in before..? But I guess we won't get the interest on it till after the 6th? Thanks
