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Cash ISA Query
Hi There I have some old Cash ISA's from previous years, these ISA's have had £3.5%, but on maturity will soon drop to low interest rates. (ie: something like 1%. I am looking to open a new 2013/14 ISA with The Coventry Building Society, (using the full £5760 allowance) at 2.6% interest. Question is:- Will it be OK to…
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Basic ISA help
Hi, I understand most of the principles with how isas work after reading the intro here. What I want to know is you have 1 per tax year. So If I open one today at say 2% and deposit £100/month, do I get that 2% interest free calculated every day until the end of this tax year? Or do I post funds and the total collected at…
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Which Isa
Can anyone advise me, I am looking at the First Direct Isa paying 3% easy access on above £40K. Or staying with my current Isa at Nationwide at a fixed rate of 2.80 for 30months or 3% for 4 years. I do not think I want to tie money up for 4 years, but the maturing Isa with Nationwide was paying 4.15% on 3 years so that was…
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Old isa into new isa
Can I sell a fund from last yrs ISA and reinvest the funds into a new ISA this year - are there any tax implications ? thanks
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ISA Transfer - Old ISA is now in Debt
I recently transferred an ISA from HSBC to Barclays. The money has successfully been transferred from the old ISA to the new ISA, however they transferred 10p too much so the old HSBC ISA now reads as 10p in debt. It may sound small, but its annoying. How can I clear this debt when I can't pay into that ISA this tax year…
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Advice for the Best Platform for Monthly ISA Investing
Hi, I am keen to start investing in the following funds. Fidelity China Special Situations Aberdeen Global Indian Equity Japanese Index Tracker S&P 500 Tracker Plus potentially a small company UK stocks fund - still undecided as to which one. My plan would be that over the course of this year I would invest £10k across the…
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Putting money in each month to an ISA
After going to Uni, then travelling, then going back to Uni for a masters, I have finally just managed to get out of my overdraft. I would like to start putting some money away each month. From using this site my preferred option is a cash ISA, and the Coventry ISA appears to be the best one. I intend to put away around…
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Transferring 2012/2013 Halifax ISA to 2013/2014
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Junior Bond Versus Junior ISA
Can anyone tell me whether a Junior Bond or a Junir ISA is the best value. I am asking for a friend who has £2,000 to put into their childs account. Child is 15 and she wants to keep putting money in at about £20 a month until child is 18. But a Bond or an ISA. I have tried reading about it but it is a minefield!! Any help…
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one big ISA or 2 separate? fixed or easy access?
Hello everyone, just registered here. :) Last week i was thinking to open santander 2.5% easy access, but noticed its been withdrawn :( so as leeds BS 2.55% as well, oh well!! Is anyone thinks that we will get in the near future a better rate than curreent 2.3% Chesire BS? im currently thinking about fixed rate 3 year ISA,…
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Halifax can't afford a calendar!
Times must be tough up north - I've just today opened a fixed 3 year ISA and received a welcome email referring to the 2012-2013 tax year. Good to see they're not wasting their money on unnecessary fripperies like calendars :)
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ISA transfer/new account
Hi, I currently have 2 ISA's, we'll call them A + B. A's interest rate has dropped so I plan on transferring this B is currently good, it may become not so good later in the year If I pay this years allowance into B and transfer A into B, and B's interest rate does become low later in the year, can I then open a new…
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Which ISA
Hi I cant decide which HSBC ISA to do. I want an HSBC one but theres a choice of Cash E-ISA or Variable Rate Cash ISA (sorry its not letting me post the html links for the ISAs on HSBC site) Both are 1.60% AER (1.59% tax-free) to me. With the variable does that include the bonus? ie the 1.4% is included in the 1.60%. also…
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Which ISA fund supermarket?
Which fund platforms/supermarkets would you recommend for new funds? I've been investing with L&G through Nationwide in previous years (just because all my other accounts are with Nationwide) but since they take such a large initial commission I think this year I should use a cheaper provider.
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Can I pay this years tax allowence into 2 ISA accounts? Half in one, half in other?
Thank you! :)
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Cheshire BS interest rates
We have Cheshire Direct cash ISA's issue 2 variable interest, with bonus expiring 30/10/13. Found the historical rate chart (page 4) http://www.thecheshire.co.uk/uploadedFiles/Resources/Documents/Savings-rate-history.pdf to see what it is actually paying at the mo. 2.46%. ( the idea is to take out an Isa saver issue 3 now…
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Childrens' savings
Having just added to our family I'm looking for advice anyone can give me about where I can put money away for them when they're older. I opened the CTF for my son (who knows how that's going to pan out?!) and have a savings account for him. However, at the end of the year this gets transferred to an account with next to…
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payment on 2 year fixed ISA's?
Hi all, I'm new to ISA's so bear with me. I just wanted to know when is the interest paid out on a 2 (or more) year ISA. Is it at the end of the 2 year period or is it paid yearly? thanks in advanced.
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best interest short-term?
Hi there, I have about £17000 to keep tucked away until the end of the year time, when I should hopefully then have £20k to use as deposit for a house. My ISA has bottomed out so I was thinking of a new one, but they are only 2% ish, unless you fix, which I can't do when I'm only making a 4-6mth investment. Any suggestions…
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Can someone settle an ISA argument?
Hi, in March myself and other half opened up an ISA each (Tax year 2012/13). I was watching Martin's show the other night and I thought that as this is a new financial year we could add to it, but other half disagrees and said we can add to it next year, can someone advise me? Thanks
