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Opened a Trading212 S&S ISA
Having been on the forum for a few months with my head mostly in the right place, I've come across a large number of posts and people who've a S&S ISA. So I thought, "what the hell, I'll open one up and see what the fuss is about". So I've done just that. I often see Vanguard S&P 500 come up in conversation, so I placed a…
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Lifetime ISA - Can you use it for both buying a house and a retirement fund?
I took out a cash LISA in 2018 and I used it to buy a house in 2022. I still have the account open and I noticed that the government bonus still gets paid if I add more funds. If I continue paying into this account until I'm 50, will I then be able to take my funds, along with the government bonus when I'm 60? I've been…
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Is Bed & ISA worth doing in this situation?
I'm trying to plan ahead for next financial year when the ISA allowance resets. I wonder what people would do for this situation? I currently hold both S&S ISA and GIA with Vanguard. I've already maxed out my ISA allowance this year and have more money invested in the GIA with around £1700 capital gain to date. I'm still…
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Low cost tracker options (and platform fees) for £34k
Evening all. Over the last few years I've been chucking money into a LISA and SIPP, on the basis it's better to start saving than to put it off until I know what I'm doing. I've not really had time to look into where's 'best' for my cash to go and I'm fairly sure my current arrangement is sub-optimal - so I'm hoping…
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Ease of use ISA
Hi. There seems to be dozens of so called banks offering good isa deals. But I’m not just after the best rate, but also ease of use and good service. Almost every time I search it’s a different supplier with the best rate, but what are they like to deal with? Could you please, if possible give me a preferred few to look…
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ISA interest withdraw
Hello there I am a little bit confused, is the interest withdrawn from a cash ISA tax free or not? I can not find any strait forward answer anywhere. thank you
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Stocks and shares ISA
I currently have a trading 212 stocks and shares ISA I'm planing to start investing monthly anf hopefully have a nice pot for retirement. Is there a better/safer option or is trading 212 as good a choice as any?
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New ISA in April - what to do with current one maturing in Aug
I have a current ISA that matures in Aug 2025 I'd like to make sure I open a new one for 25/26 when they become available. Always prefer to have them in one pot. I think you can only transfer in an old ISA shortly after opening a new one so the August one will be past the deadline. The rate will probably drop on the August…
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New to Junior stocks and shares ISAs
HI there I'm new to stocks and shares ISAs and would like to open one for myself (adult) and my three kids (who currently have junior cash isas). Aware they're more risky so thinking about dividing up their pots with some in cash isa, some S&S isas. Does that sound sensible? My financial situation has changed, so I won't…
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Transfer S&S ISA from HL to Iweb - likely timescale?
I have a Stocks and Shares ISA with Hargreaves Lansdown, and plan to transfer to Iweb. What sort of timescale would I be looking at, assuming in specie rather than as cash? And following on, would there be any issue if the transfer is still in progress over the tax year end?
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Help with money management - bit desperate
Hi - does anyone know of a financial adviser who would be able to help me with managing my money as someone who's not (yet) in dire straits but doesn't have huge assets and savings? Basically (and I am not expecting sympathy) I earn a pretty good amount but also have a lot of debt so everything goes out each month with…
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Persistent problems transferring current year cash ISA into Trading 212 - anyone else?
Hello Forumites, Wondering if you've encountered the same issue as me: I tried to transfer this year's cash ISA from Chip into my Trading 212 Cash ISA and it hasn't accepted or progressed the transfer on 2 occasions now. I get emails saying it's progressing and then.... nothing. When I drill down via the websites, I find…
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Barclays Fixed Rate ISA - transfer out experiences?
What are your experiences with transferring out a Barclays fixed rate ISA? Are they efficient? Assuming you requested a transfer-in whilst applying for a new ISA with a new provider at least 5 days ahead of your Barclays maturity date, how long should you expect it to hit your new account? Say maturity date is 15.01.25…
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Where's my money gone?
Any advice gratefully received. I opened a cash ISA with Virgin money in mid-December to be funded, within the 30 day funding window, by a maturing cash ISA from Hodge Bank. Money still hasn't arrived in my account. Virgin say they've not received it from Hodge - though they have received the paperwork from them to say all…
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Closed ISA: can I open a new one?
Apologies if this has been covered before: I can't find a clear answer anywhere. At the beginning of this tax year, I paid £20,000 into an existing cash ISA. Later in the year, I withdrew all funds and closed the account. Can I legally start a new cash ISA in the current tax year? Or a stocks and shares ISA?
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Which Google results are trustworthy for ISA advice
Been watching morning live (UK) the financial correspondent for BBC was talking about switching ISA's between banks for financial rewards, so searched for cashback/switching bonuses and best interests rates but which of the thousands of search results on Google can you trust to give good advice without trying to fleece…
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Requesting ISA Transfer By Maturity Date
Hello all, I have a cash ISA with Barclays due to mature in around 2-3 weeks. I want to transfer the ISA to another provider (iWeb S&S). Can I request the transfer now, given it will take a while to be sorted and by the time it’s transferred the current ISA will have matured. Or do I need to wait until maturity before I…
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Transfer cash between 2 S&S ISAs and "broker might need to sell shares" question
Hi All, I have stock&shares ISAs with 2 brokers (B1 and B2). I have some cash in my ISA with B2 and want to transfer it to my ISA with B1. When I fill in a transfer request with B1, they add to it a checkbox that states "I understand that my other broker might need to sell shares in order to fulfil this transfer request"…
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ISA question
I currently have a 1 year fixed rate cash E-ISA that matures in June with Virgin, max allowance. Come 6th April can I add more funds to this ISA or should I open up a new ISA on 6th April and then transfer the funds from my current one into this in June when matures? Thanks
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Moving Money Between Two Virgin "flex" ISAs
Lady Q has an "Exclusive Flexi ISA2" paying 4.76%. Her fixed ISA has recently matured and turned into an "Exclusive Flexi ISA3" paying 4.51%. Is there any reason she can't use the "move money" function to transfer the balance from the ISA3 to the better paying ISA2? I'm just a bit worried it would screw up ISA status or…
