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Wealthsimple offer...anyone actually qualify??
I signed up for the Wealthsimple ISA and deposited some funds as soon as I received the Moneysavingexpert email last night. I got an email today saying that it had been very popular and the first 500 accounts had already signed up so I wouldn't qualify for the £100 cashback. I have to say I'm suspicious and find it hard to…
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Monthly Income ISA
I am looking for a low- medium risk share ISA that pays monthly preferably, for a retired person who has approx £25k and needs a slightly increased income. I realise that monthly income ISAs are quite rare and it may be better to consider one that pays quarterly or bi annually. I am looking for providers and suggestions,…
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What to do with my Shares Certificate?
Hi, I have 789 company shares from a ShareSave scheme. I have the option to cash them in but I'd rather hang onto them. I can transfer them to a Global Employee Share Account or I can receive a share certificate. I'd like to get the certificate and put them in an ISA. All the information I've read around Stocks and Shares…
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Best Safe "Rainy Day" Savings Option
I currently have £2000 invested in Premium Bonds as financially secure "emergency" savings. Working on building it up to more. However, as premium bonds aren't the greatest at providing growth and potentially fall behind inflation I was wondering if anyone has any better financially secure investment suggestions for rainy…
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Transfering to Vanguard
I hold a few funds within the ISA wrapper on the Ageas platform. It's my intention to soon start investing in one of the VLS for this years ISA allowance. (I've not invested any money for 2018/19 so far) If I wanted to transfer all or part of my existing S&S funds at some point over to Vanguard, my understanding is that…
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Creating multiple portfolios in single ISA platform?
I've been looking at the various S&S ISA platforms out there and not really too sure if I can achieve my desired aims or not. Lets say I have £250 per month to invest into a S&S ISA, I want to do this for long term but with different aims in mind, some for me and some so I have separate pots of money to provide for 2…
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Lost tax benefit on LISA?
Long story short, I was expected to be in the 20% tax band, so I've contributed into both my LISA and pension. But things have changed in the middle of the year where a bonus and pay raise made me into the higher rate tax band. Now for the same £100 net contribution, if paid into LISA, it ends up with £125 in the LISA, but…
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Open LISA and HTB ISA in same tax year.
Asking for a friend. Not sure if you're allowed to open both in the same tax year.
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Talk of scrapping Lifetime ISA
If this were to happen, I wonder what it would mean for the 25% bonus already paid out
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S&S ISA transfer - checking my understanding
I've instigated a transfer of an old S&S ISA I have with Fidelity to my new ISA with Vanguard. Am I right in thinking that once the transfer is made, the funds sit as cash in the Vanguard account until I make my fund choice and Vanguard implements it? So if the fund performed well in the intervening period I miss out on…
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ATOM Bank
Does anyone know why the ATOM Bank Cash ISA doesn't show up in the MSE best buy charts? The one year fixed rate at 2.05% seems to beat all the one's shown in the charts so am I missing something? Are they a dodgy outfit to be avoided:huh:
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Separated & Selling
Hi, I hope you can help me or if not maybe point me in the right direction My wife and I are separated, we both co own a flat which has estimated value of between £260,000 to £270,000 she has had it valued. I paid the mortgage off years ago, so there is no outstanding mortgage. She is still living in the flat but has met…
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Grandchildren savings
I save a small amount each month for my grandchildren until they are 18years old. It is in the bank at the moment with a very small interest rate any ideas where I can transfer each one to. I have four accounts.
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Maximizing my savings, what ISA to use?
So ive been paying into a HTB ISA since Dec 2015 and have roughly £7.5k in there. Will be using this money (along with other savings for my first house). Im looking at opening another ISA to siphen off 25% of my earnings to pay my Tax (im self employed). I would rather do this as i would earn more interest than in a…
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Transfer S&S ISA to Cash ISA
Hi Ive just sold a lot of my S&S ISA (and kept it within its ISA wrapper). Id like to build up some cash reserves in anticipation of a rocky road ahead. So it makes sense to transfer the cash to a cash ISA. What things should I bare in mind before doing this? For example, can the cash be transferred back into a S&S ISA at…
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Help to Buy ISAs
Can someone give me advice on an help to buy ISA. I believe the most you can open one with is £1200 and max £200 per month. If I have £4,000 to save towards a deposit for a house, and want to save £200 per month. What is the best way to maximise my money prior to buying a house, hopefully next year. Should I put £3000 in a…
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At which point should I complete my Investor Declaration form?
Sorry, I am sure this sort of thing has been covered somewhere but I did do a quick search and uncovered nothing specific. So I've had an offer accepted, and (am about to) have a solicitor. Looking at https://www.skipton.co.uk/mortgages/first-time-buyers/using-your-lifetime-isa, I need to fill in the Investor Declaration…
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Is it surprising that solicitor hasn't heard of LISA?
Hi folks, I've had an offer on a flat accepted. And so I'm looking for a solicitor to act for me. I've never had one of these and called a couple of places based on recommendations from the estate agent. I spoke to partners at two firms, who 'specialised' in residential purchases and neither had heard of the LISA. And kept…
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Opening a cash ISA in the same tax year as closing a HTB ISA?
Is this allowed? I've used two payments of this years allowance(£400 total) into my HTB ISA that was closed to claim the gov bonus on my purchased property. Now I want to open a new cash ISA. I understand that if the account had not been closed, we would transfer the ISA. What is the process, if one exists, when the ISA…
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Moving cash ISA from 120-day account
I have circa £80k in a 120-day cash ISA which I would now like to consider investing rather than just leaving it in a bank account. Not sure where I intend to invest this yet but just want to get it out of it's 120-day account. Can anyone suggest where I should move this to in preparation for future investment?