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Isa max... What happens
If your allowance of 20k is invested in a S&S isa in one hit, what happens to dividend payments. Are they taxed? I. E. The value is greater than the 20k... Probably a silly question to most but I'm not you!
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Cynergy Bank hopeless
After trying for several hours to access my new isa, ive given up and transferred elsewhere, their system is a shambles and the authenticator dosent work. You have been warned.
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Confused about my ISA
Mods please delete. issue solved
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Switching LISA within 12 months of buying
Hi there, So back when LISA's first came onto the market I set one up with Nutmeg. I was never keen on the whole risk of stocks and shares so set it at the most 'cautious' risk option and hoped for the best. My wife and I are now finally in a position to buy our first home, hoping to do so this summer, but of course with…
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Phased S&S ISA
I was looking for an ISA where an initial investment is made into a holding account (presumably a cash ISA) and then investments are progressively and automatically made on eg a monthly basis into a pre-agreed S&S fund (eg an index fund) so that after eg 10 or 12 months all of the initial cash holding is fully invested. I…
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Can I pay two lots of 20k into a newly opened 2 year fixed ISA - Opened in mid March 2020.
I opened and paid 20k into a 2 year fixed rate ISA last, week, middle of march. According to the rules, I have 30 days to make my deposits before the account locks for 2 years and nothing more can be paid in.I think I recall the person from that bank telling me that I can pay an additional 20k into the account on April…
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With the stock markets so low is it worth investing in a stocks and shares ISA?
Hi there, I've been considering a stocks and shares ISA for a long time. I'm glad I didn't invest last year. However I'm seeing as of today the FTSE 100 down to below 5100 and I'm wondering is now the time to invest? Any thoughts and opinions would be appreciated Thanks
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Junior ISA Plummeting - What can I do?
Hi everyone I have set up a Junior ISA for my daughter with OneFamily. I checked the value today and it has dropped by over £1,200 within 18 days!! As the account can only be accessed by my daughter when she turns 18, what can I do to protect the money I have invested for her? I know that there is a risk with investing in…
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Time to change to fixed rate isa
Hi Currently have a variable rate virgin cash ISA Thinking it's a good time to change to a fixed ISA ??? Surely saving rates are going to plummet with the Coronavirus
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Lifetime ISAs and 'standard' savings
If you can only save £4000 per tax year in a Lifetime ISA, can you also use savings from a 'standard' savings account in addition to the lifetime ISA savings as a deposit without losing the government bonus ?
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Cash ISA impacting Help to Buy ISA
Hi, Would really appreciate if someone could clarifying the below; * I currently have a Help to Buy ISA which I regularly contribute monthly payments into * I also have an old Cash ISA which is is attracting a low level rate of interest. I have not input any funds into this ISA since I opened up my Help to Buy ISA a number…
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ISA timing for tax year
How long does it take to set up an ISA? I have yet to put any money into one this tax year and am thinking about a stocks and shares ISA. Given market volatility I want to see if there are more falls. I know it takes minutes on the website but is the money deposited into the fund the same day? Is it OK to leave until the…
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OK, soso have around 64k to protect
I was thinking the folowing;Inherited a house so not able to use the various first time buyer isa's.I want to be ultra catious with some of the inheritance so was thinking about the vanguard 60/40 isa this year.But I am torn on what to invest in once the tax year ends - floating between staying with the 60/40 mix but with…
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Please help me stay invested! I’m wobbling
Hello all. Long time lurker and very occasional poster! I sincerely hope I’ve posted this in the right place. Shout at me if I haven’t. I have 375k invested with a decent wealth management company. Used them for various things for decades so entirely happy with them. Unlucky for us, we chose January to invest a large sum :…
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Confused about ISA rule
So I currently have an ISA and a LISA. From what ive read I can have a maximum of £20,000 in ISAs. Is this across all my ISAs and LISA? Also I'm looking to open a new ISA with a better interest rate. If I was to move the contents of my current ISA into a new ISA does that count towards my £20,000 limit?
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HTB to LISA
I have a Help to Buy ISA with £5k in which I want to transfer in to a LISA. Can I do the transfer and still get the 25% bonus added?
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NS&I surprisingly terrible reviews
Hi all. I was looking at saving my 250k inheritance money with NS&I including premium bonds and isas thinking it would be the safest and most convenient place to put the money for a couple of years before using it to pay off my 2yr fixed rate mortgage and hopefully purchasing a bigger house. I hadn't bothered to look at…
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Withdrawing from isa
I’ve had my nationwide isa for a few years I got 27k in it , I didn’t put anything in it for last couple years including this year , obviously I still get interest on it , I recently opened a Marcus savings account at 1.35% interest , soon to be 1.30%.So i want to withdraw the isa and put it into Marcus account , if I do…
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Close Help to Buy ISA, then open Cash ISA same year
In the Help to Buy info, Martin, when answering this previously asked question, states that it is a little known fact that if you completely close a HTB ISA you can then open a new Cash ISA in the same financial year. Can someone please direct me to the wording where this fact is officially stated regarding the operation…
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ISA rules question
Hoping someone can put me right on the following. I'm transferring my S&S ISA from HL to ii. ii have opened a new ISA in preparation for the transfer from HL and the process is underway. I'd like to start buying funds in my new ii ISA but I'm unsure if this would break ISA rules that you can only pay into one ISA per tax…
