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Interactive Investor charges
Hello I have just opened an isa with ii. I understand that the platform fee can be paid by direct debit but didnt realise that any individual fund charges come out of the isa itself. Does anybody know a way around this, as I don't want money to come out of the isa (as it can not be replaced). Or am I worrying over nothing?!
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ISA safeguards
I’ve searched the MSE website in vain to find an answer to my
query. I believe the ISA annual allowances are carried over from
year to year so, bearing in mind that I have multiple current and regular
savings accounts earning up to 3% (for now), if I pay 20K into a flexible ISA
in March and then withdraw it in April does…
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Building investment portfolios
Hi there i am a newbie to investing and looking to invest 100k , 10 year plus horizon, Still 20 years off from retirement and have some cash kept aside for emergencies so want to fully invest this amount my questions are 1. how many funds should you hold within an investment portfolio based on the above amount ?2. Looked…
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Recommnedation - CTF Transfer to Junior ISA
Hi, I'd like to transfer my 12 year old sons stakeholder CTF to a Junior S&S ISA. He is currently pay a 1.5% fee which I want to reduce as well as increasing the monthly payments. I have read a lot of the guides ands posts on here including the money to the masses guide In perfect world I would probably pick Fidelity, but…
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Can I keep my help to buy ISA?
Hi, I have money invested in a help to buy isa with Halifax but due to a change in circumstances I no longer qualify as a first time buyer. My question is - am I able to keep the isa open? It's pays far more interest than any other savings account or ISAs at thew moment so would like to keep it in there. Thanks
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Stocks and Shares ISA
What are peoples opinions on using Plum for their Stocks and Shares ISA? Are they a reliable company or is it a safer bet to use a more well known company such as Hargreaves Landsdown?
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Are there any over 40 Lifetime ISA equivalents?
I’m a first time buyer trying to save a deposit and just found out lifetime ISAs exist, but because I’m over 40 I’m not eligible. I tried looking online to see if there were any government equivalents but couldn’t see anything. Does anyone know of any, or perhaps other similar opportunities I could invest in that deliver…
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Help to buy ISA
Me and my partner are just in the process of applying for a mortgage, I am a first time buyer, however she already owns a property. Am I able to still use my help to buy isa ( and claim the 25%) as we will both be on the mortgage deeds. Many thanks.
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Children’s inheritance
2 of my children have inherited 10k each . The ask in the will is that they don’t get it till they are 18 which is perfectly fine. I was tempted to put it in a junior ISA but my concern is that we would want to Make sure the money is used wisely ie property . Has anyone got any advice or experience what would be the best…
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Mid-year ISA transfer to another of the same type
Hi all, would appreciate your help with this. I understand you can pay into only one of a particular kind of ISA per year (i.e. one stocks and shares ISA), and if you decide to transfer into another of the same kind, you’re meant to move the full value. I’m referring to this guidance on gov.uk: “If you want to transfer…
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Share Isa questions
See below post..
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Stocks and Shares ISA with two providers
Hi, I have £14k invested in a Stocks & Shares ISA with one provider, I wish to invest the remaining 6k of my allowance with a different provider also in a Stocks & Shares ISA, the reason being the particular types of share I want to buy is not available to buy from the first provider. Is this allowed in the same tax year?…
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ISA / Pension
Hello, I currently put money into an ISA every month, would this money be better left in here or put into my pension where I get 40% tax relief ? I think it will be the pension but I am after advice to what is the best, thanks
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LISA penalty reduction question
Hi all, As some of you may be aware the penalty for withdrawing the cash from your LISA had been brought down to 20% from 25% until the end of this current tax year due to the pandemic. I currently have a LISA with Nutmeg and they've told me that I need to wait until this month's bonus has been paid until I can withdraw it…
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where to put it??????
Hopefully this is a simple question,...I am in the process of saving for a house move which I hope will take place late next year (as the house still to be built) - I have an ISA that has just matured (£40k) and will have 4 saving accounts maturing in January (£20k) - I therefore would like to know where is the best place…
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IFA takeover- new owners want to charge me 1% up front to switch portfolio - are the fleeting me?
My IFA was taken over by another firm. My original IFA picked stocks internally and the new ones contract out. The new IFA wants to charge me 1% to switch my ISA portfolio to a new wrapper - this will be in addition to the usual management fee. AIBU to feel that they are fleecing me to recoup the cost of their acquisition.…
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Portfolio Switching Costs on IFA takeover
My IFA merged (was taken over) with another. My original IFA picked stocks themselves but the new one contracts out. The new one wants me to switch my portfolio to a managed fund on another platform but wants to charge me 1% to do this (and this will be on top of their annual fee) AIBU to feel that this is a stitch up? I…
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2 help to buy ISAs open by mistake
Hello! I’d really appreciate any help with my query - I opened a help to buy isa right before they closed in November 2019 but somehow managed to open with two separate banks (Lloyds and nationwide) I haven’t paid into the Lloyds one this tax year and took out the money I had pre April and put in my nationwide. I am very…
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any recommendations for a flexible stocks and shares isa?
having spent ages and ages pondering which stocks and shares isa to open, i never thought to check whether any cash held inside it could be withdrawn and put back again flexible cash isa style, and, alas, it turns out that the iweb isa i opened isn't one of them. google tells me that hargeave-lansdown has such a one,…
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Flexible ISA
I am in the very fortunate position of having c. 90k in a stocks and shares ISA with Hargreaves lansdown after saving for many years. I still have 16k to fill of my 20k ISA allowance this tax year. I have a house purchase coming up and would like my ISA to act as an emergency cash buffer for renovations and unforeseen…
