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Paid into 2 Cash ISA's in same year
Can anyone help! I have been trying to contact HMRC regarding payments into 2 Isa’s in same year. Have tried 2 phone numbers but all say I am contacting the wrong department. 0300 200 3312 0300 200 3300 I opened a new Isa this year 2019/20 with Coventry B.S Have paid in 3 payments which total £4000 Also transferred in an…
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CASH ISA & FCSC Protection
Hi, does anyone have any advice on what to do if your CASH ISA total in one institution was to approach the £85K FCSC protection limit? Can you transfer out part of the balance to a new provider/product for the new tax year so you don't lose the use of your yearly allowance? Any advice on how to manage CASH ISAs to avoid…
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Little advice on ISA's for a newbie
Hi all, I'm new to savings and ISA's, so go easy on me. I'm sure these questions will have been asked but I can't find anything :( 1. You can put in £20,000 each (Tax free) We are looking to both put the maximum £20,000 into an ISA right away. And leave it there. Obviously the interest we then earn will take this above the…
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Non Flexible ISAs
I need some ISA advice please!! I have an ISA with Kent Reliance which is not a flexible ISA. I accidentally overpaid into my ISA account this year and the next day withdrew the difference. Since then Kent Reliance has bounced back my initial overpayment and rejected it as it was over the 20,000 limit. As a result the…
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Nutmeg - No Platform Fees
Evening All, Just wondered if anybody knew whether or not the referral with no platform fees from MoneySavingsExpert includes the management fee? https://www.moneysavingexpert.com/savings/stocks-shares-isas/#nutmeg I have a referal link from a friend with 6 months no management fee, however MoneySavingsExpert is 1 year no…
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Vanguard and ISA
Asking for a friend - Can you pay £100 a month into a Vanguard life strategy (ISA) account, and also a Cash ISA with another provider in the same year - as long as they don’t go over the £20,000 limit per year
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LISA advice
I'm approaching 40 & thinking of LISA's before it's too late to open then. I'm a homeowner Have a pension Have shares So this would just be additional retirement savings. I'm quite liking the idea of Moneybox's stock/share LISA - mainly due to the 'round up' - I don't think I'd miss that. Would it be worth me, the next…
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Best way to save more than £50k
So I have started researching what to do in a few months time, my situation is as follows, Apologies but some of these points should come under other threads but I am looking at general advice to make sure I am going down the correct road. My wife will receive some inheritance from overseas in about 2 months time, around…
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Multiple LISAs and home deposit
Hello everyone, I've been reading that as with normal ISAs, we can open multiple LISA, one per year. So let's assume the following scenario: year 1 - LISA1: savings £4000 + bonus £1000 year 2 - LISA1: savings £9000 (year 1 savings and bonus + additional £4000) + bonus £1000 LISA2: savings £4000 + bonus £1000 year 3 - I wan…
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Understanding Cash ISA
I have rejoined because I kept losing and forgetting my log in details. This is my first new post since rejoining as Retired Saver. I can't quite understand exactly where I stand with the ISA rules. I took out a fixed Coventry ISA with a variable part for about 18 months in May this year. I have saved £2,000 since opening…
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H2B ISA opening question
Hello I hope i'm not asking a stupid question but I've read the guides and a couple of banks T's and C's and still cant find it I'm aware of the fact you can open these with £1200 in the first month to maximize the bonus, but does that £1200 have to the first deposit. Could my wife and i who are both opening one put £10 in…
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Analyse my ISA portfolio please?
Hi all - I've been repositioning my ISA based on 3 existing holdings which I will continue to buy monthly, and a projected further 6 holdings submitted for dealing tomorrow. I've gone for a mix of passive and active, equities and bonds, but I'm wondering though if I'm doubling up on some exposures, and could ditch some for…
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For those that had a DotCommunity ISA
By sheer co-incedence, I stumbled across an article from 2017 today which reports that 3 Directors of the now defunct DotCommunity CU have been banned for 6 years from creating or running a company. Karma :) :) https://www.bournemouthecho.co.uk/news/15240378.bosses-of-credit-union-banned-after-company-owed-more-than-7m/
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LISA transfer fees
It is a shame you get charged to transfer out. I have been charged £55 to move from HL to Skipton and did not factor this in. It is also annoying how HL don't tell give you a statement to show the fee being taken i.e. no record. Is this a standard thing across other banks/building societies and with All ISA's?
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transfering an ISA
I wanted to transfer a Nationwide ISA paying not much to their Loyalty ISA paying slightly more. When I apply online it says I dont want to apply for a ISA this tax year - I am already contributing to a Help to Buy ISA with another provider. How do I transfer an existing Nationwide ISA to another Nationwide ISA without…
