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JISA Transfer to LISA
My 14yr-old daughter's been lucky enough to get an early inheritance from living grandparents - £20k, payable to my wife and I. If we drip feed it into Junior ISAs over the next 4 years, could she then put it all straight into a Lifetime ISA at 18 and immediately get a £20k x 25% bonus, or would she still then need to drip…
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What fund/s for Lifetime ISA?
I have invested my full Lifetime ISA allowance with AJBell YounInvest and I'm looking for advice on the best fund or funds to invest this in. I'm looking to be adventurous and invest for good returns for my retirement - I'm 32, so nearly 30 years. My question is this - would I be better to invest in 1 fund, e.g. Vanguard…
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S&S ISA strategy given Brexit and interest rates
Hi all. I'm now ready to resume investing in a S&S ISA, having sold mine back in December, and I need to find a way to invest this years limit. My previous strategy (although successful) doesn't seem to feel right to be used now, and I wonder if this is to do with Brexit and interest rates. Specifically, FTSE trackers for…
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Abbey national isa 2003 please help
Hi there, in 2003 I set up an isa for my daughter. As far as I was concerned I was opening an isa account that i couldn't have access to. It would be in trust for my daughter when she turned 18. I have been paying in her child benefit every month, £63 , this is the amount it was when I opened the account for her. Skip…
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Junior Cash ISA for second child
Can a cash ISA be opened for a second child? Thanks in advance for assistance.
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Ditch cash isa for one with more interest?
I have a 5 year fixed isa which matures in 4 years time at 1.6%. Coventry BS now has one at 2.3%. Is it worth losing the interest and transferring? It allows transfers in.
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5k to invest?
Was made redundant 3 weeks ago but got a new job nearly straight away so I've put some money away in my normal savings just incase but want to invest 5k into the best ISA or something. Any recommendations would be much appreciated
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P2P Lending. Mortgagee in Possession. First Time Buyer?
[LISA Related] Hello, any advice appreciated! I have a Lifetime ISA and also invest in P2P loans. Recently, one of these loans might be going bad, and there's the stated possibility that the lenders may become 'mortgagee in possession' should things go a certain way, according to an email from the P2P platform. Firstly, it…
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RCI Bank
Will it ok to stay with this French bank after the end of March 2019, or would it be prudent to close the account before and see which way things are going with Brexit? TIA
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ISA S&S account while overseas working?
Hi everyone, I'm looking for a bit of advice is possible, I have just registered my P85 for working overseas from 01 Sep 18 (Last UK working day 31 Aug 18) and will only be coming back to the UK during time off but less than 89 days/year. I am 30, mortgage/debt free, and the house has been transferred into partners name.…
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Lump Sum ?
Good Morning, I am looking to put a lump sum of £10,000 into some sort of secure savings account obviuosly with the highest fixed rate of interest. thanks for your help
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Personal injuries trust
Hi hoping someone can help me .My mum is about to receive a large lump sum personal injury compensation.I have been told to set up a personal injuries trust before the payment is released. I totally understand the setting up of the trust document by the solicitor and the charges involved. After i have the trust document i…
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LISA and moving abroad
My daughter is starting a teaching contract in Bangkok for 2 years. Can she still open and pay into a LISA? She won't be paying tax in the UK. Thanks
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Using a LISA within the 1 year limit
My son had a HTB ISA for 2 years and in January 2018 transferred this into a LISA. Now of course he has found the perfect fist time property to buy but in all likelihood completion would be before the 1st anniversary date of the LISA in January 2019. Does anyone know whether the start date of the original HTB ISA has any…
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Lifetime ISA timing question. Help appreciated :)
Hi all Hoping people may be able to help with a query on iminh of lifetime ISA availability. Myself and my partner opened a lifetime ISA each on the 10th November 2017, so the money and bonus will be eligible for release on that date this year. So my question is when would we be in a position to start putting offers in…
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Smart junior ISA
Hello my son has a smart junior isa with nationwide. I know that he can't withdraw the money until he is 18 but I wanted to know if I could withdraw the money?thanks
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HTB ISAs & court claims
If you're taken to court & you're to pay costs even though you dispute the allegations (I don't know how it works tbh - i don't know if you pay as the case goes along or after the verdict based on if you're found guilty or not) can you be made to cash in your HTB ISA? I imagine anything in current accounts and your…
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LISA and property price limit
Hi, I may being unduly unrealistic on many levels however I have a nagging concern about setting up a LISA for my daughter about to go to Uni. She is about to do a 4 year degree in Bath and I have £16000 which I want to invest. The LISA is an attractive way of turning this into £20000 in a staged investment. The concern is…
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Best ISA? - £500 per month for 10 year investment for retirement planning
Hi I wondered if anyone could advise on the best ISA to get to invest £500 per month into for 10 years minimum, to supplement future retirement income (who knows what lies ahead in life, but I do not envisage having to withdraw any of these monies in that period, so am more than happy to lock in for a better return if that…
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Paid into a ‘dead’ ISA at the start of April
Hello I managed to accidentally move money into what I thought was a regular saver, unfortunately it was an ISA (with interest rate 0.35%.....) Normally I pay into my Help to Buy ISA Question do I just carry on sucking it up and using the ISA or is there a way I could change bank and do a split ISA and go back to putting…
