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S&S ISA - best place for small investor?
Hi, I want to start a Vanguard Lifestrategy S&S ISA but will only have 2-3K to invest to begin with. I've looked at the various platforms and lots of people suggest using HL if you only have one fund but I can't work out if the monthly fee outweighs the possible investment. I've spent a week or so researching this but am…
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2 years isa good?
Just realised last years Santander 2 year isa means this year I must start a new one, and if that's also 2 year, I'll be leapfrogging each year. Can't quite see pros and cons of that. Or since Santander 123 current a/c offers 3% interest why bother with new isa and keep cash access. Not paying tax with new higher…
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Fixed rate retail bonds within ISA
I have noticed a number of commercial retail bonds being launched recently, paying 6% on a 5 or 7 year terms. Can these be subscribed to within a stocks & shares ISA? What happens at the end of the term, can the allowance be transferred into a different ISA? Specific example here is the IPF PLC bond just launched through…
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A couple of ISA Questions
I currently have an ISA with £150 in with Marks and Spencer which I have had since June of last year. The interest rates have gone down by 0.75%, but I wanted to know that if I open a new account elsewhere and transfer my savings (I'm 18 without a job so I don't have £1000's :p ) into it, will I get my current interest to…
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Charity bank, is it really non-profit?
I am thinking to move my saving to an ethical bank. I found charity bank but I am kind of confused. They offer a 2% interest for saving, but they borrow at 6.5%-7.5% What do they do with the extra interest? Are they really non-profit?
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Rights when ISA holder dies
Hi all...never posted on here before, but have found it useful to read in the past, so hoping someone out there can help me! Basically, following the death of my Dad in 2011, my Mum became sole beneficiary to all of his assets, which included an ISA, at the time held with Nationwide. Following all the normal protocol this…
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Mixing S&S and Cash ISA question
I've got some investments that I've wrapped over time using each year's full S&S ISA allowance, all but a couple of k. Can I wrap the remaining part this year with one provider using my S&S allowance AND also take out a cash ISA with another provider? Many thanks
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Transfer cash ISA and opening a new one
I currently have a cash ISA opened with Halifax which has been filled with last year's allowance. I was thinking to transfer that to the Charity Bank and then opening a new cash ISA for this year allowance with Coventry BS (which does not allow transfer) where I will add saving throughout this new year. Is that possible? I…
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Variable Rate
I'm on Santander's 2.5% variable rate. I must plead some ignorance as to how variable this can possibly get. Should I be able to check the actual rate (as it changes) on an ongoing basis on-line? Or, do I have the wrong end of the stick in all of this?
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ISA and Emergency Fund Question
Hi all I have a question to ask regarding my current ISA and emergency fund My Santander Direct ISA Issue 9 has just over £20K and this is bonus rate of 3.3% including a bonus which expires at the end of July-13 and I also I have now an emergency fund of £4K which is with ING Direct and they have reduced this down to 1.5%…
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Fixed rate ISA question
Hello, please forgive my ignorance, but I would like to ask,if you open a 1 year fixed rate ISA, say in July. Are you guaranteed that rate until the following July, or does the rate drop, when you reach the following April ( the next financial year ) Many thanks in advance :)
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Initial fee and spread
Hello, A quick perhaps technical question. Buying through a broker with no initial fee, part commission back etc... iSa Buy a fund, Black rock. Initial fee is supposed to be 5%, AMC and ter around 0.7% etc. Buy £1000 at example £1.00. = 1000 units. Value is at £1000. No movement. Sell price is say £0.95. If you sell I take…
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Can't transfer ISA??
I'm guessing this may have already been answered but there are too many posts to trawl through. I have a tiny cash ISA with Smile. I have made one payment of £4.62 to it last Thursday. They told me I could transfer to another provider. However, when I asked Barclays about setting up a new ISA they said I could only…
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ISA savings at 3% and do some good
Hi While the credit union has been highlighted by moneysavingexpert for providing low cost and ethical loans, they are also a good place for savings. They currently have a rate-beating ISA available at 3% interest. I registered with the london mutual credit union last year but really just wanted to deposit my savings with…
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ISA transfer delay
Hi, I've submitted the ISA transfer form from Santander to HSBC about a month ago, a week or 2 before HSBC ISA interest was reduced from 2.75% to 1.7% on the sum >£15k. However, nothing seems to be happening. I've contacted them online and all I got the enquiry had been posted to the relevant department but nothing on when…
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Isa interest rate on MSE
Hi all As every one I'm looking for the best Isa. But there appears to be a difference on MSE they say Coventry are offering 2.6% guaranteed rate which inc the 0.06% bonus. but be aware Coventry do state this rate is variable! which means it can change up or down. The bonus is guaranteed at 0.6%. Maybe MSE would check this…
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ISA and accessing the money
Just managed to watch the ISA special show. Really good and explained ISAs very well. If I transfer my ISA (or just keep the one I have and add money to it for the new ISA year) when I need to withdraw money will that come out of the "protected" ISA money from previous years or does it come off the new money I put in? (Or…
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Is this my best option?
I have just over 30k in my isa my rate has just finished and gone down to 0.5%, that 30k includes this years allowance which i transferred in last week. My question is, is barclays 2.3% my best option? Id rather instant access although chance is i wont need to access, just rather i would have the option incase i meed the…
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Investment fund split with £3k lump sum.
Hi, looking to invest in my first S&SISA. I've got ten or so funds short listed atm. I'm just trying to decide what ratio to split the tracker funds with low TER to the higher actively managed funds with the 4/5% initial fee and 1.5% AMC. As you can see I only have £3k at mo but will be setting a reg investment up thru TD…
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Why bother with lower rates?
With some rates clearly better than others, why would anyone bother putting their funds into ISAs offering inferior deals? In other words, why isn't everyone looking for the best rate putting their cash into, say, the Coventry BS's Poppy ISA, and why don't other providers attempt to match that best rate to get a slice of…
