ISAs & tax-free savings

Archives for July 2021

Interactive's £100 isa transfer bonus extended: August '21
I've not seen it advertised... and not found it on here? Free ISA - it adds up - interactive investor (ii.co.uk) Interactive Investor offers £100 for £20k ISA transfer in, for transfers initiated before eod Aug 31st. Open to existing ISA customers. I've submitted one today (July 30th). :) ETA: extended to include August…
Moneybox LISA
Hi everyone, My mum passed away in 2019 leaving me her house which has a mortgage. Whilst the mortgage is relatively small, my understanding is that I couldn’t take over the mortgage as a bank would be unlikely to lend me the money because I am a student. My plan is to sell the house when possible and to buy a smaller…
Suggestions choosing a stocks and shares isa and platform?
My husband currently has an isa portfolio with aviva. Aviva Investors Mlt-Asst Pl III 2 GBPAcc. Current value of 86k. This was done via an FA who he has ditched as he wants to go diy and pay cheaper fees. And obviously having a large sum he will need a flat fee platform. So can anyone recommend an cheaper alternative to…
If doing a search with National savings and Investments, should ISA's show up in the search ?
Hi, we have just had a search done with National savings and Investments. They say that no Investments have shown up ? But my great Auntie 100% had ISA's and investments. Can the search of been done wrong by solicitors ?
Tracing an old Isa
A relative in France has discovered an old ISA which they would like to track down , a Pearl Mini Isa bonus account taken out with Pearl.co.uk. Can anyone advise what has happened to this company, judging by address similarities they may have become Phoenix life. Any help appreciated
Transfer Share Incentive Plan (SIP) to spouse ISA
I've a Share Incentive Plan (SIP) which has recently matured/vested. The shares are held in my name. AFAIK I have 90 days from maturity date to move these SIP shares directly into an S&S ISA, avoiding any CGT liability or other taxes. However I don't have enough remaining allowance in my own S&S ISA to do this and am…
tax savings
Type your messageArticle seems to be incorrect.States £5000 has 0% tax. Only in 2015-2016. Now in April 2021 gov.uk Income tax rates and allowances states £5000 has 10% tax.
Premium Bond Accounts
Hi all I have around £ 20K in premium bonds in my name. My parents gifted me £ 30K a number of years back to fully offset my mortgage which is technically now a gift as it is more than 7 years ago. I stashed it an in ISA which quite frankly is earning nothing and I planned to always give it back to my parents one day if…
Lifetime ISA For Kids
I've been reading about Lifetime ISAs and I must say that they do sound like a really good deal. I have two son (20 and 18). One at Uni and the other at college. Is it possible for them to open lifetime ISAs but have me pay into it for them (£4K a year I believe) until they are properly earning? Or are there some rules…
Cash ISA or Normal High Interest Account
We have £50K cash we wish to invest long term. Happy to be tied in for a number of years if the rate is better. My original plan was to open a cash ISA in both my name and my wife's name (20k) each and then put the remaining 10k in a normal high interest account. However I've been reading about the personal savings…
Best place for savings after maxing LISA
Hi there, I am in the fortunate position of having maxed out the £4000 LISA yearly amount. Where would be the best place to save money next? Hard to know when we would be likely to buy, so open to easy access or fixed but not sure if I can contribute to more than 1 ISA a year? Thanks in advance
Cash ISA transfer to S&S ISA completed - what next?
I have done my research into what funds I want to invest my previous years Cash ISA money in, but should I invest the whole lot into my chosen funds straight away, or should I split it investing 50% now, 50% later (a month or so later or longer?). Or should I invest a bit at a time (monthly chunks) over a longer period?…
Vitality Healthy Living ISA
This isn't one for me, however, I just stumbled upon this via a YouTube video: https://www.vitality.co.uk/investments/healthy-living-discount/ If anyone is especially active you can get to Platinum level and pay nothing for your ISA. They even have some 'booster' thing which adds 2% in some cases so would actually pay you…
ISA and capital gain / dividends allowances
Hello, I am a resident of UK. As far as I understand, if I do not excess my capital gain and dividends allowances (£12300 and £2000 respectively) than I don't need to pay taxes on my investments. On the other hand I don't pay taxes on up to ~£20k of my investments on ISA account. If I have my money invested in 1) ETFs at…
Stocks and shares ISA / OEICs
Hi, I am wishing to set up a stocks and shares ISA but I already have an OEIC. Can I have both at the same time? I haven't transferred any money into my OEIC over the past couple of tax years, I simply have it open for investment growth. However I intend to have a stocks and shares ISA to pay into over the next couple of…
AJ Bell LISA
Hi, So I have transferred my cash LISA into a Stocks and shares Lisa with AJ Bell. Not totally sure how to work the aj bell platform yet. But that's the money transferred and now I have to pick what to invest in. I was planning on picking the vanguard retirement plan thing? I already have a normal S&S ISA with vanguard.…
Junior Isa into Lifetime Isa?
I'm looking for a bank or building society who will accept a transfer in of a matured Junior Isa to a Lifetime ISA. I have been told it is possible and also that its not. Has anyone done this successfully? Thanks.
The future for bonds...?
First of all i'll say that im no financial expert so i'm likely to state a lot of inaccuracies or misinformation. General interest rates are so low and almost negative. The money supply has been massively increased over the years due to QE. Interest rates are likely to remain low for a long time. How does this affect…
Maturing JISA - advice please
Hi My daughter will be 18 this year and has 35k in her JISA. All being well, she’ll be going to uni in Sept 2022, and 15k of her JISA is intended as parental contribution to top up the basic maintenance loan for 3 years. Planning to transfer this 15k into a cash ISA (or savings account if interest rate is better) so the…
Question RE: Lifetime ISA's for first time buyer - can I use my partners LISA aswell?
Hi all I'm currently saving for a house, I have utilised the Lifetime ISA option for the last couple of years whereby you can save up to £4k per year and the gov give you 25% bonus each year (£1k) So I have 2 years of this built up and in April I will have 3 years so, 12+3 = £15k, fine. This is in addition to my other…

★ ★ ★ Meet your Ambassadors

MSE News

Have yourself a MoneySaving Christmas… starting with the best way to bag a cheap, sustainable Christmas jumper from only £3
Jumpers are for life, not just for Christmas, but most of us only wear our most garish festive get-up for one or two days a year, and then feel pressure to buy a new one the following year. That's neither sustainable nor MoneySaving, so what can we do about it? I have a few ideas...
More Than to stop selling car insurance policies – here's what it means for your cover
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
more than car insurance swinton
More Than car insurance customers on auto-renewal should look out for a letter explaining they'll be switched to Swinton Insurance, after More Than announced it was pulling out of the market. If you want to opt out of the switch, you'll need to do this before the end of your current policy – or risk having to pay a cancellation fee of up to £50.
New scam ad protection measures to be introduced by Facebook, Google and more – changes Martin Lewis has long called for
New scam ad protection measures, such as two-click reporting and verification for advertisers, are to be introduced by major tech firms, including Amazon, Facebook and more.
Bank of Scotland, Halifax and Lloyds to close 276 branches in 2023/24 – here's the full list, plus alternatives
Bank of Scotland, Halifax and Lloyds, which are all part of the Lloyds Banking Group, will shut at least 276 of their bank branches in 2023 and 2024 after Lloyds announced a further 45 closures today (Wednesday 29 November).
'Unpredictable' broadband and mobile price hikes should be banned, say Which? and Citizens Advice
Broadband and mobile firms should be banned from hitting their customers with unpredictable mid-contract price hikes, consumer group Which? and charity Citizens Advice have said.
Martin Lewis: Do you have a Power of Attorney? It’s crucial protection – not just for the elderly – and more important than a will
Do you have a Power of Attorney? MoneySavingExpert.com founder Martin Lewis explains how this crucial protection works, why it's more important than a will, and how to get one in the latest episode of ITV's The Martin Lewis Money Show Live.
Second cost of living payment paid to millions – here's who qualifies and what to do if you haven't got yours
More than eight million households on certain benefits and Tax Credits have now received the second third of their £900 cost of living payment.
50+ beauty dupes for big brands including Elemis, Charlotte Tilbury, and Fenty
At MSE, we’ve challenged you to ‘downshift’ your grocery shop for years (check our Downshifting Guide ), but you can also save on make-up and beauty products by downshifting from brands to much cheaper ‘dupes’ – lookalike products, where often even the packaging is similar to the expensive brand.

View All

ISAs & tax-free savings

Discussion List