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Investment Trust ISA - lowest charges?
I'm contemplating a 2012/13 ISA investing in Foreign & Colonial Investment Trust. I'm researching the cheapest option - but it's getting complicated so wondered if anyone could save me some time and point me to what might be the lowest cost provider? F&C's charges for dealing are only 0.2% but annual fee is £60+VAT.…
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When to transfer ISA?
Just wanted to check if i have this right. I currently have an online ISA with Nationwide. I get interest on it every 6 months (next lot is due today/tomorrow) but my rate is due to drop. I'd like to transfer it to their new online ISA giving me the rate until 2013 but i have £140 left of this years allowances. Am i right…
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Direct Reward and ISA Saver Online (halifax)
Ive had the Direct Reward ISA with Halifax for about 4 years now, and keep changing to the new Direct Reward when the reward period ends. Usually its just called Direct Reward 1, 2, 3 etc on their website This year tho they dont appear to have a Direct Reward, and instead have ISA Saver Online. Is this basically there new…
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Transfer or open a new ISA?
I currently have the Halifax saver direct, the interest rate is going to drop in the new tax year so I want to change to a better account. It only has the maximum one year amount in it so I was wondering: Should I open a new ISA account, withdraw everything from my Halifax one and put it into the new one, as accounts that…
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ISAs, Clarification help needed please
Hi, i have 2 ISAs with my bank at the moment but i have not paid any money into ether of them for the 2011 - 2012 year. The only money in through out the year has been the monthly interest added. Can i put up to the £5,340 into one of my current 2 ISAs for the 2011 - 2012 year and still open a new ISA for the April 2012 -…
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ISA issues
Hi guys, In December I opened a northern rock 1year fixed rate e-ISA paying 3.30%, for the last 2months I have been paying into it every payday no issues, tried today to be told that the account has now closed and no more payments will be accepted. The lady on the phone said last months payment shouldn't have been accepted…
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What can I withdraw out of an ISA safely . . . ?
I am still a little confused. Say I max'd on this years ISA allowance. In April I open a second ISA and transfer my £5,340 in to it closing the old one. Then I start saving £470 per month to reach my 12/13 tax allowance of £5640. Can I withdraw say £3000 in August and continue saving £470 per month, given that the £3000 is…
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ISA stocks
I've used up my cash ISA allowance and natwest have sent me a letter advertising their share sand stock ISA, which is another 5k tax free savings based on stocks and shares. I was wondering what these are about because I can't find any achaustive info on that. Is it worth it? Also there's some confusuion about ISA, how…
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ISA Transfer
I currently have a Cash ISA with Barclays earning 2.06% which I paid into this year. I've seen Nationwides 3.1% ISA and want to transfer to that. Since April is fast approaching I want to make sure I get this right. Do I need to transfer over before the new tax year begins or after? Sorry if this has already been asked a…
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ISA transfer
Hello I have an ISA with Halifax which is now paying just 0.5% after the end of one year introductory bonus. Halifax is offering 2.4% cash ISA. Would you suggest me to transfer into this or go for a new provider? Thanks.
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New Isa?
Hi, I have always been of the understanding if I have an isa from 2/3 years ago but pay into it each month I couldnt open a new ISA. Is that correct or can I open a new one each year and still use the current ones? Cheers Matt
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4 years of ISAs - how best to invest?
I have a 2 year ISA with Santander which matures on 1 March 2012. Two full annual allowances are in it. I have a 1 year Direct Reward ISA with Halifax which matures on 11 April 2012. It also contains two years allowances. I've had an invite from Halifax to transfer that ISA into a 2 year fixed offering 3.7% which I…
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ISA Transfer problem and banks service.
Hi, About 6 weeks ago I went into a banks branch and asked to transfer some ISA's over to them, I filled in all the paperwork which was sent off to them. I rang today after 6 weeks to see what's happening and it took them a while on the phone to find my paperwork and I was told it had been lost in their internal systems.…
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Re-designating my Halifax ISA Direct Reward 4
Tomorrow (29/02) is the end of my 12 months on the 3% rate with Halifax. I have already transferred part of my balance to the BOS 2 year 3.7% fix, and have opened the Nationwide latest 3.1% instant access ISA and requested they transfer in the balance of my Halifax ISA. Nationwide will have received my transfer form…
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Bed and isa
Could anyone help? I hold some LLoyds tsb shares worth a lot less now than my isa allowance. They were transferred to me from my husband who got them when working for the bank. I understand that I could 'bed and isa ' them but don't know where to start. It seems like a good idea as they are pretty worthless at present and…
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ENDING TODAY - NCBS 5th issue 3.7%
"The NCBS 5th issue Fixed Rate Cash ISA pays 3.7% AER fixed for 3 years, and you can access cash early by giving just 99 days' notice to close or transfer" This ends sometime today Tuesday 28th Feb. You can still open one by post if App form is still available on the website and you download print and post today.
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Really basic ISA question
I opened my first ISA in March of last year so it's coming to a close soon. It gets automatically changed to an ISA that only pays 0.5% so obviously the money wont be staying there. Can I open a new ISA after April 6th somewhere else and put the full amount of £5640 in it as well as transferring what will then be last…
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I've max'd on this years cash ISA . .should I wait till April 6th before I open . . .
I've max'd on this years cash ISA . . do I wait till April 6th before I open next years ISA? Do I have to wait? Should I wait? (Can I expect better deals in the new financial year?) Many thanks.
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Friend has £20k but never earned interest.
Hi, My friend and his gf have save nearly £20k which is a hell of an achievement. However, the money has always been in a 0% interest bank account and i keep trying to persuade him to use his and her's ISA allowance to avoid inflation but he just wont do it. Please can someone explain better than me the need to use even an…
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Virgin S+S ISA - Dividends?
Does anyone know when (or how often) dividend payments are added to your account with a Virgin FTSE Tracker S+S ISA? http://uk.virginmoney.com/virgin/isa/ftse/how-it-works.jsp seems to allude to dividends, but doesn't really give much info.
