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Stocks and shares ISA. Risk appetite
I am just looking at my portfolio I hold funds and one invidiuail stock. Half my portfolio is in tech stock funds the other half is in the HSBC all world index. 150k in each. Is that a risky strategy having half my savings in tech funds? I'm 36.
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Junior ISAs vs Saving account
Hi everyone, I am trying to open a Junior ISA account & I read the following article https://www.moneysavingexpert.com/savings/junior-isa/ On this article, it says "For most people junior ISAs AREN'T worth putting new money in unless they pay more than normal kids savings", I am not sure, I understand the full depth of the…
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Transfer old htb isa? anyone know who is accepting ?
kids have maxed out isas earning very low interest, anyone know any institution accepting HTB to HTB isa transfers?
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Halifax ISA Transfer
Hi all, anyone else having issues with the Halifax not completing a ISA transfer.? Over a month ago I applied via trading 212 to transfer my ISA. However Halifax haven't prossessed it and now it been cancelled. So annoying
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Misleading Plum ISA Terms
I took out a Plum ISA back in April 2024 and there appears to be a few rather surprising negatives that I did not appreciate. I came here when trying to understand why the headline rate is currently 4.92% when my app says I am only getting 4.67%. On a variable rate product, I am not used to different rates for different…
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VG lifestrategy 80/20 where now?
Hi all l'm aware there are a lot of comments about vanguard and their new charges. I am in the low investment bracket that will hit me hard. So I was thinking of withdrawing. Is anyone aware of a similar investment like the 80/20. I saw somewhere maybe the HSBC global strategy funds, but not sure. Any guidance would be…
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Stocks and Shares ISA and Vanguard
I am contemplating investing via Vanguard and into one of the indexes like FTSE Global, S&P 500 etc. I currently do not have a stocks and shares ISA. Is it possible and recommended to open a stocks and shares ISA with vanguard and then invest. Please note this thread is to request help on using and maximising the benefits…
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Transferring 2023/24 fixed Virgin ISA due to mature on 2 January?
We both have Virgin Money ISAs due to mature on 2 January 2025. Both are for the full £20k year's allowance taken out on 2 January 2024. We haven't had any communication from Virgin to date and realise it's only a week off now. This is the first time we both wish to keep the money in an ISA wrapper so am a little unsure of…
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Is there a way to find out if I have already taken out an ISA this tax year using my allowance
I appreciate this may sound like a daft question but I can't honestly remember if I took out an ISA this year or simply moved across previous years ISAs onto better rates with different providers. Is there any easy way of identifying whether I have used my allowance this year (maybe via national insurance number?). If not…
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Is photo ID required for app type applications?
I've just been unable to apply for an account for the first time despite being a UK citizen, having lived here all my life, got NI number, on electoral register, same address for 35 years, top credit scores. Trading 212 asked for a driving license (omitting that it was a photo ID they required) so I went ahead. It was a…
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Unknown banks..are they safe?
Thus might seem a daft question but I'm a very conservative saver/banker and have always used known high street financial companies...but I notice on this website the highest ISA rates are with non-high street banks....I.e. Habib etc. I'm wary of Internet banking so how can I check these banks are ok to use? I imagine they…
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ISA
I don’t know much about isas but I have one with Lloyds bank the begging of the year I belive April time , I closed it as i got offered better deal with Barclays so opened one with them I didn’t transfer my balance directly as had issues with Lloyds can I open another with lyods even when I’ve closed one with them this…
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Two ISA's
I opened an 1 year fixed cash ISA 6 Dec 2023 with £20000 this matured 6 Dec 2024. I withdrew the interest and reinvested £20000 in another 1 year fixed cash ISA which matures 6 Dec 2025. I also opened an 1 year fixed cash ISA £10000 with another bank on the 29 April 2024 which matures 28 April 2025. When can I top them up…
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Virgin Bank - different log ins for new ISA
I have an existing ISA along with a number of other Virgin accounts which I access using my phone app most of the time. I have just applied to open a new ISA, with the intention of transferring the old ISA to the new account. This is where it gets annoying. Because the old accounts sort code begins with an 82 I have to…
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Cash ISA Questions
I have a cash ISA and the fixed rate expires on 4th January. I was hoping someone on here could help me with a few questions. 1. When the fixed rate ends will it just revert to an easy access variable rate ISA (unless I give them alternative instructions)? The provider is Shawbrook if this helps. 2. The rate of the easy…
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Clarification concerning starter rate for savings and capital gains
I saw this thread. Dazed_and_C0nfused there says: "But the savings starter rate uses some of the basic rate band so could impact CGT in some instances" ... and then gives an example. I don't understand from the example the way in which the starter rate "uses some of the basic rate", i.e. what rules are applicable. My…
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Multiples ISA maturity question.
I've currently have 3 isa (fixed) with 3 separate banks, which all mature early May. I was thinking about combining them into one isa account. How easy is this to do?
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New Tembo Cash ISA?
Anyone else receive a email from Tembo, inviting them to join a waiting list for the lauch of a new Cash ISA? No mention of interest rate, but, email states, Want faster access to your cash, or to save more than £4,000 tax-free each year? Maybe you need to save towards a holiday rather than your home or retirement. We've…
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Interactive Investor forced sale at a loss
I was recently informed
by Interactive Investor, the provider of my ISA, that my shares in
Dunedin Enterprise Investment Trust would be forcibly removed from my
ISA if I did not sell them soon – at a significant loss. This is
because the directors of Dunedin Enterprise are intent on winding up
the company and returning its…
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Date for ISA transfer
Seeking advice from those more experienced. Fixed cash ISA matures 30/12/2024. Have opened new cash ISA account with different provider - as yet unfunded. Have to fill form in to transfer money from 1st provider to new account. What date should I put on form for transfer to happen to ensure I'm not transferring before…
