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ISAs & tax-free savings

Archives for August 2009

ISA Question
Hi, I have always saved into ISA's just before the current tax year's deadline so they always mature (1 yr fixed rate bonds - Nationwide) at the same time. My question is - If I add to this years ISA now does this allowance mature in April with the rest (i.e. all ISA annual payments occur in April) or does it mature this…
Variable or fixed rate cash isa - best deal !!!!
Hi , i currently have about £18k which has just matured in a Lloyds cash isa which paid 6.5% . This has gone down now to 0.9% so obviously i'm looking for a new home for this . Now i may or may not need this money in the next year or so i'm thinking that i will transfer the money into a variable rate with easy access isa ,…
Cash ISA - ?Fixed or Tracker
Our fixed rate ISA's have matured with Nationwide and we have to make a choice for reinveestment of £3,500 each. What would MSExperts choose? A One Year Fixed ISA at 3% or a 2year Tracker ISA at 2%? Would be most grateful for views.
When will it appear in my IF account?
So I transferred from NS&I last week, got a letter yesterday from them saying my account has been closed and a balance of 0. I'm wondering when the money will appear in my Intelligent Finance account? I know it can take up to 30 days, but since the money is out of NS&I that suggests things are happening already.
Credit checks when opening a Unit Trust investment or ISA?
Do they do a full on credit check, or just an Identity check? Thanks American
can I access my husbands ISA?
What I want to know is if a husband and wife have ISA's and of them was incapacitated in some way would the other person be able to access the ISA? This has come up as my friend and her husband both have ISA's. they had jointly saved the money in both accounts. The wife has became very ill and is unconscious in hospital.…
2009/10 cash ISA allowance?
What's the 2009/10 cash ISA allowance please?
need to find out what was the best paying cash ISA in september 2008
a bit of odd request but due to a dispute i have with Barclays and which is now in the hand of the Financial Ombudsman - i need to find out what was the best rate i would have got for a new cash ISA in september 2008 - is there a way to find this out? maybe an archive of interest rates tables? cheers michel
Nationwide new savings plan.
I say its new, but could be an ongoing one for all I know, but I only heard about it the other day when I popped in to deposit some money in my ISA account. So thought I would run it by you all and see who has done it, or what you think of it. Correct me if I get some of it wrong, but apparently you can take out £3600, and…
Virgin index tracker unit trust?
They have what people might think is a high annual charge of 1%, but there are no other charges and minimum monthly investment is £1 per month. It also seems very very flexible, which is great. I have seen some reviews on ciao.co.uk and they are quite highly rated. Does anyone hold one of these and if so, how is it? Do you…
Savings account or an isa
My son has around £1000 in a savings account getting virtually no interest at all and another £1000 gathered up lately from birthday and working ( summer job)and given from relatives for getting good exam results. We were thinking of opening an ISA for him but he will be going back to school in Sept and if working will…
I know!! i have still got my A&L ISA issue 4 but..
I know i should have changed it ages ago but when i went into branch they were trying to get me to do something called ' super direct ISA' which is part in an ISA and then part in a .. something else... blah blah.. all i wanted to do was put it in the ISA issue 5 cos the interest is better, not much but it is better.. now…
Cash ISA rates
I have a couple of fixed rate ISA's maturing in September, would I be correct in thinking that in April institutions tend to offer better rates to attract ISA savers? If so am I probably better off just accepting a poor instant access ISA in next month with the intention of transferring to a better fixed rate next April…
CAsh or TRacker ISA
I want to start an ISA in the next month. With interest rates so low. Shall i opt for a tracker ISA now and cash ISA aswell in the future? I can only afford 3k at the moment. I want to keep the ISA longterm, 30yrs plus etc. Im thinking L&G Tracker ISA at the moment. Then a nother cash ISA in 2 years time(also when funds…
£20 per month stocks and shares ISA investments
According to HBOs you can open a stocks and shares ISA and contribute £25 per month minimum. I am new at stocks/shares and i have done some reading and I don't mind the idea of starting to invest, but i want to start small. Do you need to invest a lump sum initially in order to open an account, or can you just start with…
Compound interest on cash isa's?
Hi Folks First time question on the forum, - so please be nice... With regards to interest gained in a cash isa, if you leave the interest in the account, say £110 on a typical years saving of £3600 at 3% - will you get 3% interest on your £3710 in the next tax year or will you still only gain on the original £3600? Sorry…
Long term savings for children
Hi All, I want to invest £500 for a grandchild until they are 18 years old.(They are only a baby at the moment, so long term) I may want to add to it from time to time so it needs to be flexible, something that is secure and grows at a steady pace over the years.
SS ISA - Tax implication on this scenario
Can anyone answer this for me If I had a S&S ISA put in 3k in as an example bought shares in xxx company and in 2 years time i wanted to sell close that ISA and it was then worth 30k What would be the tax implication on that profit?.
Can I open another Cash ISA this year?
I opened an A&L Cash ISA for 08/09, however I have put money into it this financial year. Can I still open one with a different company for 09/10? Cheers
Lloyds ISA transfer took 3 months...
I applied online for my ISA transfer in March and despite repeated reassurances it was in hand it took over 3 months to actually transfer. Lloyds really jumped into action when I got my bank (First Direct) to phone them (Lloyds) to ask about the transfers! I've been given the run around completely by Lloyds. I wasn't able…

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MSE News

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