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Transfer of cash from S&S ISA to cash ISA
I have a S&S ISA with InvestEngine which currently has ~£45k in it. I am planning to transfer half of this money to my T212 cash ISA. This week I have sold half of my stocks and moved the cash from my S&S ISA portfolio to "S&S ISA cash" section in preparation for the transfer. If I instruct T212 to do the ISA transfer,…
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Isa advice please?
Hi all I am after some advice please, ive got 15-20k to use for a s&s isa this year and wondering Where's best to place it so i don't have to touch it/manage? Does vanguard offer this service? I say vanguard as its all i hear people talk about or am i best placed with a robo investor? Thanks
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Safe Funds with good returns
Hello, My savings have been in the Vanguard FTSE Global Cap Index for about a year now and the gain is not great (sits around 5%) compared to my pension in the HL growth fund (between 10%-18%). I use Hargreaves Landsdown to invest and have about £17,000 in savings. My question is would it be a good idea to sell the shares…
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Virgin fixed isa
I have got a sizes me amount maturing in secure trust bank next week 17th they are offering 4.42% is it worth offering for 4.52% to Virgin. If the process takes along time I may lose out? Thanks
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LISA and inheritance - Any upcoming changes?
Hello everyone, I am an owner of a LISA who recently inherited a share in a foreign property which, under the current legislation surrounding LISA, discredited me from using the LISA to buy my first home. ...which is not ideal, so to speak, since my entire house deposit is locked in my LISA. I am aware of the silly…
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Robo isas - vanguard isa life strategy?
Hi On my mission to look for (and overthink :/ ) a s&s isa, i come across the vanguard isa life strategy equity funds, now im after a robo adviser purely because im new to the game and not confidant in DIY stocks and shares, i know some views on these robo advisors arnt the best in terms of performance though. Anyways i…
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Vanguard £4 monthly fee from end of January 2025- should I move to AJ Bell DODL?
Dear all, I moved my ISA from Harg. Lansdown to Vanguard in December and I have £6500 all previously invested in the Vanguard target retirement 2045 but alas I have found a minimum fee (as above) will be coming in shortly. Am I better off going to AJBell DODL? I am planning to build it up to £10,000 by April 2025. I am…
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Clarification about dividend tax and savings income
I am slightly confused and just doing some tax calculations for 24-25. This makes sense to me because the tax year is not yet ended so I may do some additional actions before April. I have a micro-company but have paid myself only £9100 in income for this tax year. I have not issued any dividends from the company (and…
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Matured ISA help
Hello all. My ISA with Natwest has just matured into a Cash ISA, with interest the total amount was about £21040. The Natwest mobile app gave me a few suggestions but none of them matched what I was hoping to do.I managed to reinvest £20000 into a new 1 year ISA account (my mobile doesn't show an update yet and I'm hoping…
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ISA options
Hello, can anyone give any advice on ISAs and Fixed Term ISAs. My first question is there any comparison websites that can tell me about ones that can be opened as a joint accounts. Also are there ISAs geared for just one maximum deposit. Somewhere where I can leave my money on a fixed 1 or two year rate? Any advice really…
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ASP ISA
My father has passed away and he left 3 cash ISA's. One will convert that into an ASP ISA for my mum, but the other 2 do not offer that service. The one that will, will not accept any other ISA's to be transferred in. I have been looking around and can only seem to find Skipton as a cash ISA supplier that accept an ASP…
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Transferring out Stocks and Shares ISA
Due to stagnated performance and high fees, I am looking to
transfer out my existing Stocks and Shares ISA from one platform to other platforms. Easier for me is to transfer it all to a cash ISA with different
providers but the fixed rate cash ISA are paying below 5% and may fall so not guarantee to beat inflation, hence,…
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Isa Help
Hi Everyone I opened an ISA in Feb 24 for 23/24 year with the maximum amount and then opened another ISA in April 24 for 24/25 year, again the maximum amount. I am a little confused regarding the maturing of these ISA,s. Am i right in thinking i can only transfer the £20k from one of these ISA,s to the new tax year for…
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Funds within an S&S ISA - Selling query
I currently have a S&S ISA and within the ISA I have 2 ETF's (S&P 500 & FTSE 100) I have £8K in one and £5K in another. I want to change the FTSE fund to another fund. If I sell my £5K fund, do I lose that allowance for the 24/25 year or can I replace it with a new fund? Provider is Chip and the reason I am unsure is when…
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ISA Rules
Hi. I know this has probably been asked a million times already but I don't really understand ISA Rules. So I can invest £20k max in this tax year. This is know. When the next tax year starts can I invest another £20k max, totalling £40k? Then on and on each tax year £60k, £80k etc. What then happens if I want to transfer…
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Virgin Money ISA
I have just noticed the following in an email I received from Virgin Money. This was advising me of the reduction in the interest rate from 4.76% to 4.51% on my Easy Access exclusive Flexible ISA effective 24 Feb 2024. Remember that any money you take out of your ISA will no longer benefit from the tax treatment an ISA…
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Cash ISA Offline?
Hi, I'm looking (hard) for companies which operate cash ISAs that don't have to be run online or in branch but can be handled by 'phone/post. Some seemed to have switched over to all online. I'm trying to help an elderly relative find a good rate without having to apply online, thanks.
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Stocks and Shares Lifetime ISA Withdrawal
I have a stocks and shares lifetime ISA and have made roughly 20% on the money I have invested over the last 4 years and the government bonus. If I was to withdraw my money from this ISA not for the purpose of buying a house for the first time, what are the penalty charges that I would face? I see a lot of information…
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"Bed and ISA" - moving investments from stocks & shares into ISA?
I'm retired, a non-expert saver and not very knowledgeable investor, probably in the 'cautious' category and not motivated to follow the city pages and trade frequently. I'm lucky enough to have a defined-benefit (public sector) pension, mortgage free, with wife but no children, and I'm now approaching my 75th birthday…
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S&S over fixed isa?
Hi Ive Been looking into s&s and wondering what sort of returns (%) have you experienced? Obviously no one can predict the future so there's loses as much as returns but im just interested as to what roughly people have experienced. I am looking to invest for a minimum of 5 years, if not more, i have 20k to place in one…
