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ISAs & tax-free savings
Archives for June 2018
Discussion List
Question about paying a large amount into both a Help to Buy and a regular ISA
Hi! I apologise if this has been asked before, but I couldn't find an answer anywhere, which is why I joined this site! (I'm rather technophobic ...it has taken me the best part of an hour to work out how to even write this post! Also, I've never ever written on a forum before!) I have a both a cash ISA (with Lloyds) and a…
Lifetime ISA question
Hi, I opened a lifetime ISA with a provider on 21st March 2018. My first contribution to the ISA was on the same date as the opening date. After a couple of months, I realized that my provider provides a very limited investments options for my LISA and finally, managed to switch to a different provider - the switch is…
Shepherd Friendly S&S ISA - Is it worth it with the cashback?
Hi, I've come across Shepherd Friendly S&S ISA on Quidco. If I sigh up to pay in £30 a month, I will get £90 cashback. It does not state any fixed term, so I could withdraw when I get the caskback? (probably in 3 or 4 months after the first payment) I've read many bad words about Friendly Societies, but just wondering in…
ISA allowance - equal monthly payments
Hello all, My first post here... So the ISA annual allowance is £20k per annum which if one tries to make exact monthly payments to meet that, doesn't work out exactly. 20,000 divided by 12 isn't exact to the penny because it's 1666.66666. Does anyone know if I set a monthly contribution rounded up of 1,666.67 and that…
Cash isa over £85k what to do?
HI I’m nervous to move my cash isa but I know something has to be done, it’s on a rubbish rate and I think it’s over the protected limit. Any suggestions what to do, how to re invest would be much appreciated, I am very risk adverse so need some security. Thanks so much in advance.
Do I still need an ISA?
Hi, My 12-month fixed rate cash ISA matures at the end of June. The closing balance will be approx £65,700. Will transferring this to a new ISA be a pointless exercise, now I'm no longer earning? (Gave up work to be a full-time family carer, sadly no longer needed in that role). Currently living off savings, so no earned…
Sent money into isa after it shut
Hi I have just used my help to buy isa to buy a house but I for got to cancel the Direct debit so them money as left my account but there is no longer an account for it to go go into, so happpens now ? Can I get my money back ?
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