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First Time S&S ISA advice
After building up a good amount of savings in cash ISAs and regular savings, I’m intending to start dipping my toe into investing with a S&S ISA. I’m pretty sure I know what I need to, but think a bit of a sanity check from people more knowledgeable than myself wouldn’t hurt. I’m aware that I should be looking to invest…
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1 year cash ISA that matures in June 2025
I have a 1 year cash ISA that matures in June 2025 My question and I apologies if it sounds naive, can I top my current 1 year cash ISA with part or all my new £20,000 tax year allowance and still have tax free savings in my 1 year cash ISA? Or what is the best approach for an ISA that mature part way into a new tax year,…
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Tax Free Savings Guide
Hi! This is the discussion thread for the Tax Free Savings guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide. Thanks folks, MSE Helen
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Do l need to fund isa first?
I've been looking at some 1 and 2 year fixed isas which are asking between £1 to £5000 to open the account. But l want to just transfer 24/25 old money into one of these new accounts. Can this be done? Also l have 3 isas with three separate banks can l do multiple transfer to the same new isa?
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Which S&S ISA? Suggestions please.
I want an ISA that I can pay into weekly. I want to contribute £10 per week and I'm happy to look at moderate to higher risk. Which ones would you suggest?
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isa rules
can anyone clarify the isa rules for me. I had the full allowance in a cash isa and withdrew it all for a purchase (which didn't happen), can I reinvest the full amount with a different provider that pays a higher rate?
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Isa year 25/26
Is it better to open a new cash isa now for year 25/26 to get a good rate and wait until April 6th before adding funds or will the rates be better after April 6th? Please help
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Transferring an NS&I ISA
I have an old NS&I cash ISA, which I want to transfer into my new Kent Reliance ISA. KR acknowledged the transfer request, which was over a month ago now. I've just had another letter from KR, saying that they still have not received a response from NS&I. They say they will continue to persevere until they complete the…
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If Cash ISAs are ended by Government.
As an example, if I am not working or eligible for state pension yet, and earning £5k per annum from private pensions, could I transfer the money from my cash ISAs into a standard interest rate account, and earn £13,570 per annum without paying any tax? From what I have read I believe this is the case.
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What year is an ISA opened for tax purposes?
I have used my full ISA allowance for 2024/25 and want to open a new fixed rate Cash ISA early in 2025/26. Providers are currently making upward tweaks to their rates to attract new funds, though these might fall once we move into the new tax year. My question is: it within ISA rules to open another Cash ISA on or before…
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Transfer Employee Shares from a Share Incentive Plan to an Stocks & Shares ISA
I have shares that have matured from a Share Incentive plan & are in a holding account with the SIP provider. Am I able to transfer some of these shares to a Stocks & Shares ISA without incurring CGT? I would want to transfer £20k worth in the next Tax year. Many thanks.
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On Line Chat with the various institutions.
I've read on some posts that ZOPA chat is useless. Just wanted to say that I've found TRADING 212 chat to be brilliant. They keep your chat active until you decide to close it ( can be days) and take great pains to answer your query to which you can request further info.
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ISA Partial transfer help please
Hello, I currently have £60,000 in a Lloyds cash ISA. I’ve not looked at interest rates yet so ignore the actual bank names, just trying to get an idea of what I’m allowed to do. So, can I partially transfer £20,000 to let’s say Nationwide and also partially transfer £20,000 to Barclays? So I would have 3 cash ISA’s all…
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Trading 212 Cash ISA transfer to iweb
As the title, I'm trying to transfer a Cash ISA from trading 212 to an iWeb stocks and shares ISA. T212 require a paper form, so I filled it in and sent it to iWeb, who then sent it to T212. T212 have asked me to electronically sign off the transfer. However, the number that they have put as the account number is not my…
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How do I transfer everything in the ISA?
I'm trying to transfer a Trading 212 cash ISA to a iWeb stocks and shares ISA. The only options on the iWeb form are to transfer this years subscriptions or previous year's subscriptions. This years subscriptions have earned interest and the ISA form that 212 are asking me to approve in the app only says the literal amount…
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Rebalancing
I am rebalancing my financial portfolio and I was going to use another IFA but there is no guarantee they will beat the index tracker, and hence this post. My portfolio: - 29 funds S&S ISA (looking to switch all to passive funds) - 9 funds work pension (stopped contributions) both S&S and Pension were selected by my ex IFA…
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New allowance - what happens to the old allowance?
Hi, if I've already got £20k for last year's allowance but the govt reduces it to £4k this year, what will happen to the previous amount? Will it continue to be all tax free do you think? 🤔 Thanks CL
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ISA minimum deposit, needs clarification
Hello, Just wanted some clafication regarding the "minimum" deposit. I am looking into transfering my existing ISA into a two year fix. NOTE: I was going to use Cynergy bank but they appear to have removed theirs? so will go with Vanquis. Please correct me if wrong! Both have a minimum deposit, and my question is, do I…
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Transfer into help to buy ISA
I think I know the answer to this but I thought I’d check what people thought. I have saved £12k in a cash ISA hoping I could transfer this into my help to buy ISA but it looks like I can’t do this. The govt. has put limits on how much you can pay in, and can only transfer up to £1,200k in the first month. Is this right? I…
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Cash ISA Trading 212 (corrected)
Hi I opened a cash isa with Trader 212 last week via the Martin Lewis Email link (I don't have any other ISAs). I've not heard of them before but its a good rate and on MSE. I'm not very tech savvy so was proud of myself when I sat it up and scanned in a photo of my passport. However when I tried to transfer money over…
