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Trading212 Cash Isa does it Compound
Hi All Does the trading212 cash isa interest compound looking to open one.
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Do transfers from other ISAs count as "ISA funds from previous tax years"?
Let's say I deposit money into ISA A in tax year 2023-24. Then I transfer all of that into ISA B in tax year 2024-25. I also make new deposits into ISA B in 2024-25. If I then want to transfer just the 2023-24 cash from ISA B into new ISA C in 2024-25, can I just choose the "transfer ISA funds from previous tax years"…
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Transfer Cash ISA away from Zopa
I'm sure people have had issues with this in the past so wanted to check I am doing things right. I find the Zopa "pots" arrangement all very confusing. I have a Zopa ISA Savings pot - this was a 1 year fix which is about to mature, and I wish to transfer it somewhere else. I also have a non-ISA regular access pot which I…
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Interest rate predictions.
Hi Do you guys think interest rates will be going up or down in the near future. I know it’s difficult, but best guesses please.
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Bizarre ISA Allowance Question
Hi All, I have a fixed term ISA with Barclays. This account offered to either pay me the interest into the ISA at maturity, or pay the interest monthly into another account. I chose the latter, as I can then put it into another account and earn interest on it. (I know this sounds bizarre, but this is exactly how it's…
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Moving money between ISAs?
Is moving money between ANY ISAs allowed? I currently have a Barclays Cash ISA which is maturing in a week. After I collect interest I would like to move this money into a Barclays Stocks ISA. Can I do this without losing tax free status? Thanks
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Accidentally opened ISA
I seem to have clicked on the wrong button in the Trading 212 app and opened a Stocks and Shares ISA. Unfortunately I have already maxed out my ISA allowance for this tax year and it doesn't seem possible to close the ISA without closing other accounts. Is it OK just to keep the ISA open if I don't fund it?
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Transfer of S+S ISA into multiple Cash ISAs
I have invested in S+S ISAs since their inception and have a reasonable fund. I have decided to buy a house. As I need all of the proceeds in a few month's time, I cannot risk a market crash that may occur with the volatile leaders across the pond. So I have sold all of the shares and they sit in Cash within the S+S ISA…
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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…
