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Simple balanced Portfolio Help
Hi Looking for suggestions for funds to hold in a balanced portfolio that I can pretty much leave for the next 10+ years. I know there will be many things to consider but all I am looking for is a mixed portfolio to save £750 each month for the next 10+ years. I'm thinking so far of the below but wanted advise as to what…
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Transfer Maturity Date
My ISA matures early November, I believe that some providers allow you to open an account with them and transfer an existing ISA at maturity (up to 30 days). I phoned Aldermore and the first advisor said its okay, I phoned up later just to verfity and was told it had to be a maximum of 15 days. Does anyone know which is…
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Nationwide / Shawbrook maturing ISA's outward timescales
Two ISA 's matured recently, N/Wide and Shawbrook. Nationwide converted to a maturity ISA on the day advised, the maturity day. Several institutions in the mix for transfers out. All pre arranged transfers arrived at their new destination the 2nd day after maturity. Shawbrook maturity date, ISA still showed the same as the…
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Oaknrth bonus?
My largest single ISA, with Oaknorth, is coming to the end of its 1 year fix in early November. Oaknorth is 'opening a window' on 21st October and promising an existing member bonus if I renew. However, it isn't saying what that bonus rate will be, and their 1yr fixed rate isn't the best .I'm tempted to start a transfer to…
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Cash ISA maturity options
Re Matured Cash ISA - I set up a Cash ISA with Shawbrook Bank which matured at the end of September 2024. I understand that interest earned is “tax free”. Total amount in my account approx £21150. Now I would like to withdraw the total amount and reinvest in an existing savings account, however, Shawbrook have informed me…
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Trading 212 easy access ISA 5.2% APY and 1% cashback. Too good to be true?
Hi all, This sounds just too good to be true and I wonder if I have missed anything or if this is just an account that beats all the other market offers at the moment? I am a bit confused... Trading 212 offers an ISA and offers 1% cashback (not counting towards an ISA allowance). The cashback is paid within 3 business days…
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Cash ISA Transfer Out from Trading 212 to VM
Hi, I want to find out how long it takes from the date money is deducted from the Trading 212 account and received in another bank, such as Virgin Money. Training 212 said up to 3 business days. Who will cover these 3 days' interests and if they fail to clear in 3 days? Who shall I contact to make a complaint? VM said is…
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Thoughts on my Mortgage Repayment Vehicle using S&S ISA and or LISAs
Hi I have 3 BTL properties all on Interest only mortgages maturing roughly the same time (16 years from now). So far we have been saving £500pm into a S&S ISA invested into the S&P500 and have accumulated a pot of £65k. My initial plan was for the next 16years to up this to £750pm and see where that leaves us. It then…
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Confused about Virgin ISA maturity
I have a 1 yr fixed issue 6, maturing, erm, today. I think they are saying if I do nothing it will roll into an easy access issue 3 at 4.51%Or I can fill out a form to convert it to another 1yr fix issue 16 at 4.61%. Am I loosing the plot or are both of those options quite good? But I cant find them on the best buy tables…
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Stocks and shares ISA 85k protection
Can I ask how the 85k protection works for stocks and shares ISAs. I have about 85k in the HSBC world index fund and am thinking of adding more. Should I be worried as am going up the 85k protection limit. If I am thinking correctly here. Thanks
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Hargreaves Lansdown S&S ISA. Over what period is the 0.45% yearly fee calculated?
As per title, Can anyone provide any clarity on how often the HL recalculate and apply their ISA fees? I'll explain my reason for asking. My wife has a Halifax S&S ISA for which she currently pays no annual fees, however making simple transactions on this account is excruciatingly slow, complicated and time consuming. This…
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Virgin Transfer 'wet signature' required
Hi, I tried to transfer my £50k cash ISA from Virgin to Chip cash ISA but it was refused as Virgin do not accept transfers out of more than £30k without a 'wet signature' and Chip can't support that. Can I challenge this? Ot if I try another provider to transfer to how do I know if they support a 'wet signature'?
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Trading 212 cash isa fscs protection across 3 banks.
If I have £150k in cash isa with trading 212. And it is hold across 3 bank. Natwest. Jp Morgan. Barclays. Does that mean all £150k is fully protected by fcsc?
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Easy Access Cash ISA, Trading 212 vs Zopa - Experiences, Customer Support, Recommendations
Anyone using either of these Instant Access Cash ISAs and can share their overall experiences? For example: - Transferring in from current ISA - App usability / experience - Customer service / response time - Transferring out, either partial or full Rates as of today are 5.1% T212 and 4.8% Zopa. I don't care for the 0.3%…
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Trading 212 ... Chip have beef with them?
I had an interesting email this week about an ISA transfer that happened in August. I assume I’m not the only one? The tone seems a little strange, it seems they are prioritising tattling over solving the issue.
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M&S CASH ISA
Hi MSE i) Not sure how to contact MSE direct so if you monitor this forum the rate you show for the M&S Cash ISA is out of date. ii) Has anyone applied for the M&S cash ISA. The company appears to be requesting a lot of personal details on the transfer form, such as employment status, employer, gross annual income, which…
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Santander 1 year fixed rate ISA
I see Santander are offering £50 eVoucher if you transfer in at least £10000 from a non-Santander ISA. Am I right that the 4.31% interest rate on £10000 equates to 4.81% if you include the £50 voucher? Also is it better to just transfer the £10000 (to get the voucher) rather than a larger sum as there are better rates than…
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ISA Monthly Interest
Sorry if this is a really daft question ! I’m about to have my first monthly interest payment which is £62.44 according to the pending transaction on the app. I have 20k in the ISA at 4.22% which I work out at £70.33 a month. Am I missing something or doing something stupid ?
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Moving cash ISA to S&S ISA
Simple question..... Could I move mulitple cash ISA's over to a single S&S ISA? So, open an S&S ISA with the provider I want, and then ask them to begin transferring over my cash ISA's ?
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Partial ISA Transfer options
My current Shawbrook ISA matures 4 Oct and at maturity will be over £85k so looking to split and reinvest some with Shawbrook 1 year fixed 4.56% and move the rest to T212, but not sure if I have left too late as only 4 days till maturity. Also wondered if I would be better to firstly opt for the transfer to EA Shawbrook at…
