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ISAs & tax-free savings
Archives for November 2019
Discussion List
Nelly
As a financial numpty, I would appreciate advice on an ISA. This ISA matured back in May, and was then converted by the building society concerned into a very low-interest ISA. I see that I can now get better rates in several savings accounts, but advice is to never close an ISA. How would I accomplish transferring the ISA…
evestor: a bonus that you cannot get!
This week's "tips" email features an apparently attractive offer: set up a new ISA with a robo-provider and receive a ten per cent bonus. The catch? The bonus is 10 per cent of anything (up to £500) that you have invested by 12 November; investments are made by direct debit; and once you have been through the whole process…
APS - Inheritance ISA
Good afternoon, I just spoke to HMRC who advised you do not need to have been living together at the time of your spouses death to be able to apply for an additional permitted subscription, though most of the documentation I see implies that you do. My husband was a non-functioning alcoholic and I started to rent a place…
Buying funds,,why so many indentifiers eg ISIN,SEDOL,Mex etc
is there a reason why we dont have one system and one identifier? it creates confusion. Also why dont we have a website which translates one identifier into all the others it is known by. I am currently looking at MEX:VVFUSI which confusingly appears to be a Vanguard acc fund but has an I o the end whereas the income…
Transfer stocks and shares fundingcircle isa to vanguard
Hi folks, So I've got a few years of isa that's in FC innovative funding isa account. I've admittedly lost faith in them and planning to withdraw the cash while maintaining isa wrapper and move to vanguard. And here comes the challenge. FC will likely take months to sell my loan parts and get me the cash. The cash from…
(Probably stupid) ISA question
Hi everyone, (This has almost definitely been asked before, so forgive me) I am a bit of a newbie when it comes to "serious" bank accounts. Here is my situation: I currently use a Cash ISA as my savings account. I opened it in 2018 and have been using it to save and withdraw since then. I would like to open a Help to Buy…
Help to buy ISA as an (eventual) beneficiary
Hi, I was wondering if people can help. I've had a read on related posts, and government documentation but I'm not really sure still. I'm interested in opening a help to buy ISA before they stop being offered. I do not own a home and I have never bought one. However, I do note that if you are beneficiary of a trust you…
bed and ISA, including gifting shares to spouse
I'm fortunate to own a significant number of shares in public company, currently held as single certificate!in my name only on a share trading platform.! They are not part of a SIPP. To reduce dividend and Capital Gains Tax liability I'm hoping I can bed and ISA these shares over a series of tax years, and also gift some…
Help to buy isa
Hi, I have never had a mortgage or had my name included on one, the mortgage on our family home was only in my husband's name. We've separated and sold that house. Would I be able to open the help to buy isa and claim the bonus in the future? Thanks.
Junior ISA and a Help-to-buy ISA split
Just a quick question ... Sorry, I am new to this, so if it has been answered somewhere before, apologies and please point me in the right direction ... I have a 16 year old daughter. Reading through the site's ISA information, is it correct that my daughter could take out a junior ISA and a Help-to-buy ISA split?? (Which…
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