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ISAs & tax-free savings

Archives for December 2011

Santander ISA - when will I get the interest for the last year?
Wondering when I will see any interest in my santander isa account? Is there a particular month?
Penalties for transferring balance from ISA
hello, i currently have an ISA which has built over a few years. My provider recently added a sneaky 120 day penalty for withdrawals at renewal, simultaneously offering a headline decent interest rate. I have been with them for a few years and was disappointed at the change of tactics. I am on a fixed rate with a maturity…
How to transfer existing HALIFAX ISA SAVER DIRECT to my new HALIFAX ISA SAVER ONLINE?
Hi there. I recently opened a new ISA SAVER ONLINE with Halifax at a 2.6% rate of interest which I am fairly happy with, I do realise I could get about 3% elsewhere but I am sticking with Halifax. Anyway, I already have an existing ISA called Halifax ISA SAVER DIRECT, so online in my online banking it shows the full amount…
Ns&i isa
Hi, we are looking at starting some savings in 2012 and we are unsure of the best route to go down. We have been speaking to OH's dad and he was telling us how good he finds NS&I. They have their direct ISA that may suit us. I was wondering if anyone had any views on this ISA, whether it would be a good move and when would…
What time of year to invest in a cash isa
Hi, I normally invest the full cash ISA limit on 6 Apr each year to maximise interest, but interest rates seem to improve during the year. I'm considering holding back for a couple of months next tax year to hopefully get a better rate, would this be advisable or would it not be worth it with the amount of interest lost…
ISA for 16 year old
Having sorted out two out of my three grandchildren with Junior ISAs, I'm now onto the 16 year old. I know she can have an adult one in her own right - are there any tips with regard to which is the best cash ISA for her - this isn't my area of expertise, since I usually deal with stocks and shares ISAs.
Stocks and Shares ISA help for low risk tollerence user
I have a stocks and shares ISA with Halifax. I have invested the £5340 max allowance as Cash and so have £5340 left to invest in Stocks and Shares. I would like to make use of this allowance, however I am looking for a low risk investment. I don't feel too comfortable investing in a company. Are there low risk bonds…
Junior ISA Allowance
I can't seem to find a definitive answer on the HMRC site - is the current £3,600 JISA allowance for the period 1 Nov 11 to 5 Apr 12, followed by another £3,600 for 6 Apr 12 to 5 Apr 13 - or is it £3,600 for 1 Nov 11 right through to 5 Apr 13?
Have i oversubscribed to this years ISA due to a bank balls up?
I had "old money" which i transferred to a Halifax ISA as it was the top paying ISA that allowed transfers in at the time. I had the current tax year (this was last year) with Barclays, as they were the top paying for the current year. This matured & i filled out the forms to transfer across. I subscribed to this years ISA…
1 year fixed rate ISA: getting the timing right. Go now or wait?
The key here is we'll be looking to move out & get our own place in 2013. Now this doesn't mean Jan 1st 2013, but it's 2013. We're looking at a hard saving 2012 & i'd like to have my money work as hard as possible. Even if i'm just bagging an extra £50 by locking it up for 1yr -vs- going instant access. Every little…
Maturing 25k ISA... I'm clueless! Where to put the money?
My mum was a genius with money and so I was happy to let her do whatever she thought was best with my savings. Unfortunately she died a few months ago, and an ISA I have is due to mature on 30 December and I have no idea what to do with it (or much about how ISAs work, etc.). I was going to withdraw the lot (~£25k) and…
is this mis-selling?
To keep it as brief as possible, when we retired and got our lump sums, DH decided ( amongst other things) to use my IFA to get some investment advice. ( I had already got some investments via this IFA, his were first time) The IFA advised a 5yr guaranteed investment with Prudential ( not yet reached 5 yrs so we are not…
Halifax ISA Transfer incompetance
Both my wife and I recently tried to open Halifax fixed rate ISA's to be funded by a transfer from a matured M & S ISA. After about a week we had a letter from the halifax confirming account opening but saying they were awaiting funds from M & S. After a further 3 weeks they denied having received both of our transfer…
Cash or equity?
Hi, I have a cash ISA paying 2.4%, inflation is 5%+. Is there are ant sense in transferring to an equity ISA with a share such as an Utility returning 6%+. I accept that there is risk of the share losing value but dividends are promised at inflation +2%. I would not put all my eggs in one basket, but what do you think? Jo
2 ISAs issues!
Hi, I have a nationwide isa, however I made a Setandar ISA as i have a current account with them. I opened a setendar(with 1 pound opening balance) isa realising i can not transfer any other ISA on this account. My old nationwide ISA i have already put 1,500 in this tax year Please advise on my next steps as im a bit stuck…
transferring multiple ISAs
I have 2 ISAs. One is fixed until July 2012 but once it matures I intend to transfer it to an ISA with a better rate. I have another ISA (with Halifax) that I've decided to transfer to an ISA with another provider for better interest. My question is this: Assuming my new ISA allows transfers in, can I transfer the complete…
Considering dipping into S&S ISAs for the first time. Advice please.
This is on the back of seeing an IFA today. I've not decided anything concrete yet. I'm currently waiting on those in the know giving their views on my meeting which i posted: http://forums.moneysavingexpert.com/showpost.php?p=49505115&postcount=37 So as this IFA advised to concentrate on my house deposit & then mortgage &…
Stockbroker fees and ratings charts
Have small portfolio. Can't get to bottom of how much I am paying in commission. When I ask , lack of transparency in replies. Two questions, is there a comparison chart enabling me to compare how much the big brokers charge to manage a portfolio. Is there a performance rating chart somewhere
should i leave fidelity?
Hi, I've got about £27,000 in various funds with Fidelity, some of which I want to swap out of into other funds. I also have stocks and shares (inside and outside ISAs) currently held with first direct share dealing. I did some research here in the summer and opened an alliance trust account for stocks and shares and ISAs…
Best time of year for good ISA interest rates
This is probably a bit of a silly question, but are there certain times of the year when better ISA interest rates tend to be offered? For example, do interest rates become less competitive in March as savers rush to make use of their allowance before the deadline? (so they'll accept pretty much anything because they're…

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