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ISAs & tax-free savings
Archives for October 2018
Discussion List
Cash HTB ISA to which S&S LISA?
I have a cash HTB ISA with Halifax with just over £4000 in it and I want to start putting money into an investment LISA instead. I can currently afford to contribute about £200 per month. I'm not sure which LISA to go for or how to go about it. If the annual limit to add to a LISA is £4000 per year, should I just take…
Which broker for a buy and hold S&S ISA?
Suggestions for which broker is best for a primarily buy and hold S&S ISA? Unfortunately iWeb are out because I want to include some Lindsell Train funds which they refuse to allow.
Opening a Savings Account in Ireland
My husband is Irish and I'm South Africa but we both currently live in the UK. Due to Brexit and my visa uncertainties we are hoping to open a Savings Account in Ireland In Euro ASAP. The money will eventually go towards a house in Europe. Can anyone advise me on how we can open a bank account, whether this can be done…
4 yr Cash ISAs
Anyone know who provides a 4yr fixed rate isa online other than Hodge Bank&
Al Rayan Bank - What is the Profit sharing ratio?
On the Al Rayan bank website it has something called the 'Profit sharing ratio', what is this and does it affect the amount of interest/profit paid on their savings accounts? Link below. https://www.alrayanbank.co.uk/useful-info-tools/target-profit-rates/profit-sharing-ratio/ Thanks
Any simple applications for ISAs under PoA
I am looking after my father's money as he has advanced dementia. I have Power of Attorney, but when applying to various financial institutions, whereas it is simple for a personal application, when it's with PoA everything becomes cumbersome, usually postal, and in some cases impossible to comply with. E.g. why do I need…
1 year fixed ISA or 1 year fixed cash?
I was going to put £20,000 in a 1year fixed ISA but the best rate I can get is 1.55% Is there any advantage in me doing this when I can put my money in a 1year fixed cash account and get 2.02%? I know that I will not pay tax on my savings in the ISA but even taking the 20% tax off the cash account the cash account will…
H&L restricting LISAs?
Since late last week, H&L's LISA has returned "Thank you. Unfortunately you cannot top up this account online as you are over 40." when trying to top-up online. I asked H&L support about this: We are aware of an issue where if you are over 40, you are unable to proceed into topping up an HL Lifetime ISA online. We have…
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