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Reeves' ISA review
Will be interesting to see what comes of this. Potentially restricting the amount of cash one can hold in an ISA or reducing the cash ISA allowance to just £4k. I think its important to try demystify some of the (often incorrect) concerns about investing, so that these potential change(s) actually encourage more people to…
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Having more than one S&S ISA
I currently have two S&S ISA's with two different providers (Trading 212 and iWeb - majority of money is in iWeb). Is there any benefit to having more than one S&S ISA? I am thinking of consolidating my T212 into iWeb for ease. I don't mean in terms of fees paid etc, just the principle of having more than one S&S ISA.
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MSE News: Martin Lewis: Is a Lifetime ISA win coming in the Budget?
A penalty paid by first-time buyers accessing savings in Lifetime ISAs (LISAs) when buying homes above the scheme's £450,000 property price limit could be scrapped, it's been revealed... Read the full story: 'Martin Lewis: Is a Lifetime ISA win coming in the Budget?' If you haven’t already, join the forum to reply.
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AJ Bell ISA dealing fees
Given that they charge £1.50 per deal and I’m investing cash monthly, is it more beneficial to swallow the fee and buy monthly, £200 to a single fund (will be £350 from April) or buy every 3/6 months to save fees? I’m guessing that time in the market is more important than saving £1.50 a month?
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Problem setting my Trading 212 ISA as a payee
I've just opened the Trading 212 Cash ISA and I'm trying to deposit funds from my Halifax current account. When I use the sort code and account number provided by Trading 212 (for JP Morgan Chase) to set up a new payee in Halifax, Halifax notifies me that the details are incorrect. It does recognise the sort code as for JP…
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stocks & shares isa question
Hi, I have a basic stocks & shares isa question. I don't understand how they work. So if I buy shares at £12,000 and they rise to £20,000, so a gain of £8,000 profit, and I put them all in a stocks & shares isa, there's no capital gains tax. How do I then spend the money? If I want to buy a car or go on a holiday or…
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Best cash ISA with 50k ISA balances transferred in..
A bit advice on transferring my Cash ISA . I have around 50k in a Chartered ISA , the funds were deposited from previous years allowances , It is currently paying just under 4 % and but seen than I could get around .5% more but am confused by the wording on the Best ISA page on the mainpage . A lot of the top picks say…
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ISA reinvestment
I put £20k in an ISA in 2024 which has matured and also another £20k in 2025 both are in 1 year fixed interest rate ISA's, the 2024 one has now matured and reverted to 1.15% which is clearly not good. Can I reinvest this money as its an existing ISA and tax free or will it be classed as next years money. Little frustrating…
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MSE News: Don't cut Cash ISA limit, MPs urge Government
Reducing the cash ISA allowance won't motivate people to invest in stocks and shares, a cross-party group of MPs has warned. In a new report published on Saturday 25 October, the Treasury Committee has urged the Government to leave the £20,000 limit in place – echoing previous calls from MoneySavingExpert.com founder…
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Transfer ISA to surviving spouse after death
Anyone know which financial institutions allow the transfer of an ISA to the surviving spouse of a departed ISA holder, ,, Many don't allow this but I believe quite a few do ??? Thanks
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Trading 212 - Cash ISA - Financial Ombudsman Service complaint on hold
Just had this email from the Financial Ombudsman Service (FOS) today: "Thank you for your emails and for your continued patience. I’m aware that your complaint has been with us for some time now and that you may be concerned that you’ve not heard much from us yet. On the surface the complaint you’ve brought to us appears…
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Stocks & Shares ISA without shares
With Rachel Reeves changing the ISA limits i have a quick question or two re Stocks & Shares ISAs. I have a Trading 212 Stocks & Shares ISA, with £1000 in cash and £500 in shares. I get approximately 4.05% interest on the cash. Can I bump this up to £20000 (including shares values) and avoid the new £12000 tax limit, or do…
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Help to Buy and LISA - Stuck between 2
Hello, Please can I seek advise. I currently have maxed out my help to buy ISA, which I set up just before the government ended the scheme when I was a student at university. Since then I have contributed more to this ISA then necessary (was not as financially savvy as before). I since learned of the LISA and the benefits…
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5 Year ISA
If I take out a 5 year ISA with the maximum deposit of £20000 does that mean I cannot open any more ISA`s in the future until this 5 year term has lapsed
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What is the best UK ETF that tracks the Nasdaq 100?
Ideally a low share price as my broker does not allow fractional shares. My main query is whether to go for synthetic replication or physical? I do like n100 from ishares, and see them as a trusted company. But on the other hand, I do like owning my stocks but could stomach owning a synthetic etf if it means I avoid 15%…
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Google / Alphabet Shares - UK or USA exchange ?
Been looking at the google shares recently and noticed that it trades on both the UK and USA exchanges - Read that the 0RIH is the equivalent of the Alphabet Class A shares but is bought in GBP . both have pluses and minuses ( exchange rates - withholding dividends etc ) . If buying , would it be best to use the UK…
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Holding dual child cash & stocks junior ISAs
Hi, hoping for some help here please. We have junior cash ISAs for our two daughers, which both have a substantial amount in. Now we're thinking of stopping contributing to them, and instead letting the balances rise with annual interest. The reason is that we'd like to open for them each a stocks & shares junior ISA, and…
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Kent Reliance - loss of interest on matured ISA
I had a 1 year fixed ISA with KR, £10k, which matured on 13th November. I received a letter less than a week before that date telling me that unless I gave instructions, they'd put it into another fix (!) I managed to get through on the phone and gave instructions for them to put it into an EA ISA at 3.85%, just to give me…
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Maturing cash ISA transfer help!
My current idea matures with Coventry the options are very poor. Ideally I want to transfer to different providers so I can get one on monthly interest payout. How can you state how much you want to transfer when you don't know the balance until maturity and they say if they don't hear it will be automatically put in a…
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LISA conditions
Hi, My daughter has just started saving in to LISA. I intend to leave my home to her and my done which will be mortgage free. Can the LISA be used to raise half the value as a mortgage to pay off my son? Thanks
