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changing mind after topping up S&S ISA
Sorry if this has been asked before, but I couldn't find an answer anywhere. I've recently added my full 20k ISA allowance to my iWeb S&S ISA (which already contained more than 20k). I now wish I'd opened a new Trading212 ISA. (I know they've suspended new accounts for now, but presumably this will change.) Am I right that…
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Cash ISA Transfer to S&S ISA
I have an 1.9% Santander ISA that is maturing this week. It moves to a open access 0.1% cash ISA. Can I can transfer this to my Interactive Investor S&S Isa with no impact on this years allowance? Can I withdraw some treat cash from it before I di the transfer? The value of the CASH ISA is higher than a annual allowance.…
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Help to Buys ISA Bonus - Overpayment or Deposit?
Hi all, So I've looked high and low for this but can't find a definitive answer anywhere. O/H and I are days away from exchanging and due to complete middle of June on a house purchase, FTB's!!! We both have our HTB ISA's which are now closed and documentation is with our conveyancer. Exchange deposit is with them too. Now…
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Isas for grandchild
I have a recently born great grandchild I wish to make a gift of £1000 Do I give the money to the mother to invest in an ISA in the mother’s name Also what is a good ISA at the moment
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Help to Buy ISA
I am 18 and looking for a help to buy ISA, as I would like to start saving for a home. If anyone could recommend a some of the best ISAs that would be muchly appreciated. Thank you.
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LISAs
So last year I opened a cash LISA (for retirement) and a Stocks and shares ISA. I've decided that this tax year, I won't pay into the cash LISA anymore. But want to open a S&S LISA instead. So going forward, I'll pay into the S&S LISA and the normal S&S ISA. Thats allowed, isn't it? Thanks!
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Isa account balance
Hi, I have a cash ISA account. My balance as at April 6th was about £20k I have now put in £3k this month so my balance is over £23k. Is this ok to have a balance of over £20k as I will only put in an extra £20k this tax year or should i only have a maximum balance in the account of £20k at any one time? Thanks in advance…
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ILSC Calculator
I have certs that rolled over on 19th May 2019, if I enter the value and date information and the period of 3 years it gives a value of zero using the CPI tab. Strangely it does give a value if I switch to RPI which wasn't available in 2019. Does anyone elase have this problem please?
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Cash ISA to S&S ISA
I would like to transfer 5k from last year‘s Cash ISA to my Vanguard S&S ISA. I don’t want to transfer the full ISA, just a portion of it. The cash ISA will remain my emergency fund and I won’t be paying anything into the cash ISA this tax year, but definitely want to keep it open. I will pay only into my S&S ISA this Tax…
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Robbed by my bank
Hi, I had several peps and isas in the 90s and at one point I was making 13.5 % interest on one of them, another I was told that what it makes every month would be put into my savings account, at the end of the 7 years I ended up not even making a single penny out of any of them, I was miss sold and worse blatantly robbed…
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Transferring partial of my old ISA to a new ISA
Hello, I have an ISA which currently holds about £110k saved over many years. For this new tax year, I'm finally looking to open a new cash ISA with another provider (perhaps Paragon or Nationwide), and also a S&S ISA with Vanguard. I intend to keep the previous tax years ISA to hold about £50k (to keep the account under…
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Is this legitimate
I have been speaking to someone lately that has offered me three and a half percent on a two year fixed bond isa. I feel this is too good to be true. Is it? He said he was from Morgan Stanley!!!!!
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Thinking of leaving UK. ISA, AVIVA, state pension, taxes
Hi there, I hope you all are doing well. After spending 7-8 years in the UK, im thinking of leaving the country. There are many financial questions I have to think about. * I have an ISA with Vanguard. gov.co.uk website says I will not be able to pay into this ISA once I leave the UK and that I dont have to close the…
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S&S ISA question
Quick background I have 2 X S&S ISA's opened one 5 years ago and the other last year. I added the whole 20k to one of my S&S ISA this FY. Question - The S&S ISA I did not pay into this year has money left in it to cover fees etc for funds I have but it looks like it may be short by the end of the this FY as some have gone…
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Child Trust Fund to Lifetime Isa
My grandsons Child Trust Fund has just matured. I originally transferred it into a Foreign and Colonial stakehoder trust fund which now seems to be a BMO fund and now worth 11,500 pounds. If he were to start a Lifetime ISA with this years 4000 maximum should he leave the remaining 7,500 in the Fund until can make next two…
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Junior Stocks and Shares ISA - Are they still worth it? HELP
I am looking to invest in a junior ISA for my 1 year old daughter. I have done a little research, but find some information conflicting and the charges very confusing. Basically, I would like to invest approx £500 initially and then contribute £50-100 per month so I would be looking for a JISA that is beneficial for small…
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Setting up for a child's future ... and some wobbly bits in between
Years ago Gt Aunt Margaret died and left money in trust to my 2 children. I am trustee. Less years ago we borrowed £30K from the fund to renovate a house in which the children were to live, this was permitted under the terms of the will/trust providing a second charge was placed against the property. 1 year ago I paid off…
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Most efficient way of managing an ISA which is over the 85k protected limit
Hi all, I'm in a bit of a conundrum - I've only recently realised (stupidly, over the age of 30+) about the 85k protected limit for banks and I currently have a Cash ISA which is over 85k (I've been adding to my cash ISA over the years and now am at about 110k). On top of that, my current ISA interest rate is a measly…
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Risks of Time out of the Market when Transferring a S&S ISA to Vanguard
I have 56K in Aviva ISA Multi Asset plus II costing 0.58% platform and 0.5% IFA costs total 1.08%. I'm thinking of transferring to Vanguard Lifestrategy 60/40 Funds with lower Platform costs of 0.15% and LS funds 0.22. Total 0.37% (No IFA costs). My question is what risks will i face given it could take 30 days to transfer…
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ISA
Hi everyone, Im new to this, also i have never had ISA account. I was wondering.. might be a stupid question but i will ask. Can i use ISA as a second bank account? I mean will i be able to receive salary on it?
