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Flexable S&S ISA for HMRC SAYE scheme shares
I'm looking for a recommendation for a Stocks and Shares (S&S) ISA that* is a flexible ISA * allows SAYE shares to be transferred in * has low ongoing and transactional costs A relative has an upcoming Save As You Earn (SAYE) share scheme maturing in a few months. They currently have past SAYE shares in an iWeb Share…
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HSBC FTSE 100 Index Tracker
Hi, Is this a reasonably simple thing to set up? I’m looking for long term lowish risk investment. I can’t actually find much about it on their website which doesn’t seem to bode well. Thanks in advance
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isa question on upcoming budget .
I know we are guessing but i will ask anyway . With the rumours isa tax free allowance is to be cut by half will this apply to new isa savings only . I have 40k in a 3 year fix which ends in may 2026 and another 60k in a 3 year fix ending april 2027 . All being well i would like to transfer to new isa accounts after these…
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Transfering EQi sharesave to a S&S ISA?
I've got a works sharesave scheme due to mature soon. I'd like to transfer them to a flexible S&S ISA and then sell the shares in order to receive the money. My understanding is that I need to select the 'keep the shares and receive a share certificate' as the option once they mature. However, what S&S ISA providers…
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MoneyFarm cash ISA
This provider was on MSE best rate variable rate ISA last week but hasn’t appeared this week I was wondering if anyone has had any dealings with this investment company[ I am calling it this as from all I have read it is not a bank ] It is covered by the FSCS and has a good rate of 4.42%’
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Best Junior Stocks and Shares ISA 2025?
I’m looking to open a Junior Investment ISA using funds from an existing Child Trust Fund (CTF). I’m relatively new to this area, but I want to make sure my child has the best possible start in life. My child will be turning 18 in around 4–5 years. I’m not a financial expert, so ideally, I’m looking for a simple, “set and…
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interactive invester ISA and trading advice
I recently opened a Cash ISA (currently funding it up to £10,000) and I am also considering a stock and shares ISA. Half this years allowance would be in the cash ISA and half in the Stocks and Shares ISA. I would then do the same in April 2025. A relative has opened a interactive investor account and has been investing in…
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Trading 212 not accepting money in?
On the sound advice to use my ISA allowance before the budget I opened an account this morning with Trading 212. Great but it will not allow me to pay money in to get the account up and running. I got stuck in a never ending loop after adding my bank account details and went round and around 7 time before I dumped it. Is…
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Should I use Equiniti to sell shares?
I have a few low value stock holdings (EX Building Society
conversions to PLC status) on the Equiniti.com platform that I plan to sell off. Their fees appear very high. E.G. They are quoting a fee of £40
for one holding with a market value of £480. Is that reasonable?
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Caution - Investec Fixed Term Cash ISA
I started to apply for a 1 year fixed cash ISA, after it came up as one of the top rates in the weekly newsletter. During the online application it asked for a linked current account and stated all funds in and out of the ISA would have to use this linked account. That made me question how transfer request to another ISA…
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Stocks and shares ISA lumped sum not monthly
Hi does anyone know of a stocks and shares ISA with good rates / low fees not self managed and that you don’t pay monthly but you can put in a lump sum? I seem to only find ones that you have to pay monthly into, thanks.
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Cash ISA Transfer (T212 to Chip)
I initiated an ISA transfer from T212 yesterday and the balance immediately disappeared from my T212 account. It hasn’t yet been credited to my Chip account, which is understand is normal. However, do I still earn interest whilst the transfer is in process? If so, is it paid at the T212 rate of interest or the Chip rate?
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Good growth in stocks and shares ISA - trying to "crystallise" the growth
I've got a Trading 212 stocks and shares ISA that's grown about 17% since May. I realise after a response I got on here to a post ages ago that if I take the £5K approx growth out and put it in the building society I'm not really preserving that £5K as the remainder of my ISA could drop in value and I'd only really be…
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36... LISA the way forward for first home?
Hi, I have been battling debt for many years. I finally got the majority of my cards paid off, and I'm now looking to move forward with buying my first home. I recently got married, and there is a small amount of residual debt from the wedding expenses, which I am paying off. Alongside paying this off, I also want to start…
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why has my Wife's tax code dropped?
My Wife has recently retired and is living purely from savings and a small, old work pension. That pays her just over 2k a year. Her savings interest is about £1100 ...well within her savings allowance, she is currently a non tax payer. However, about to go into SIPP drawdown we checked her current taxcode and were shocked…
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ISA and savings help please
Hi - I will soon get a lump sum from my public sector pension, partial retirement - around £75,000. I have never had such an amount of money in my life so could someone please guide me what to do with it please? I will use around £16k for house updates so that leaves £60,000. I am quite risk averse and would like to always…
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Cash ISA Interest
Apologies for the question, I am no doubt being too lazy to search and/or find out for myself.How do HMRC know that interest paid from a Cash ISA is tax free? Is there some kind of identifier that they know it's not from a non ISA savings account?
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New ISA Monthly Interest Payment
Hi all looking to open a new fixed ISA with 20k that will supply the interest monthly I would prefer one of the more well known institutions if possible. Any recommendations ? Hopefully doing this in the next 2 weeks.
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Cash ISA additional permitted subscriptions
I SEEM TO BE GOING AROUND IN CIRCLES trying to find a bank to accept m late wife's Marcus (Goldmans Sach) isa .They tell me that it can be transferred to a new bank ,but has to be closed and they send me a cheque-which I then use to open another Isa -which is sort of tagged to the original date.I dont want to lose the tax…
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Cash ISA Renewal
My cash ISA is up for renewal after 18 months. I am advised by the bank the ISA will be renewed at a rate of 1.1% which I consider to be extremely low in the current financial climate. Not sure if there are many finance houses who are accepting transfers in at reasonable rates I already have maxed current year ISA…
