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help with new and existing ISA
Hi ( still very new to ISA's ) I have one ISA currently with moneybox with £20,000 - I will get the interest for the year on Feb 22nd 2025 ( currently at 4.95%). After this term finishes my interest rate will go down to 4% Should I stick with them or move to a new ISA with slightly better interest rates? I have now saved…
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S&S ISA - advice needed
Hello I read with dismay that Vanguard are increasing their fees to hold a S&S ISA. I have a little less than £20k invested in Vanguard LifeStrategy 80 and invest about a £100/month currently. I moved my ISA previously from CSD to vanguard as it was cheaper, soon it won’t be. Could you advise which platform will be…
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Lifetime ISA parliamentary consultation: have your say!
The Treasury select committee have commissioned a review "asking for evidence on whether the Lifetime Individual Savings Account (LISA) is still an appropriate financial product nine years after it was created", including a range of questions seen regularly on threads on here, so those with views on the subject are invited…
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do i sell my ETF funds not in ISA to add them to new isa?
For the last few years I have always taken out a fixed term cash
isa for each year. Beginning the next tax year I want to take a Stocks and
shares isa probably with trading 212. Knowing I have reached my isa allowance
for this year with the fixed rate cash isa , I have opened a 212 account and
bought some etf funds but not…
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Transfering a matured cash isa
why do banks make it so difficult to transfer a maturing isa to another one i already own? In this day of digital banking why do i have to download and print off a form and send it to my existing isa supplier for them to request the maturing isa transfer to them? In the mean time I'm guessing the time scale involved i will…
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Ideas for £25k LISA no plans to add to
I’ve got around £25k with AJ Bell in Amundi MSCI world ETF and have no plans to add to this. I won’t be accessing for 25+ years. I’ve seen many users use iWeb to hold ETFs as no account fees and only £5 for initial purchase. I’m now thinking of if I move the £25k to an ETF on iWeb I can forget about it and leave the fund…
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junior ISA
I put £95 into a junior ISA for my daughter, on the website it has tool where you can increase the monthly contribution or pay in a one off figure and it gives you a projected value ,the current figure is £22,761.31 for the continued £95 per month. I was looking to make a one off payment of £7000 to increase her projected…
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Help to Buy ISA and Savings Help!
I have Help To Buy ISA that is effectively almost ‘full’. It will have £12k in just before April 2025. I am aware it is not full and can be kept open, money can be added and interest will be received but I have hit the limit of my government bonus. Additionally, this account only receives less than 2% interest so it seems…
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ISA advice
I have an ISA which matures June this year,approx 21,000,what are my options ? I am in the position to put another £20,000 into a new ISA,can I do this ?
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Transferring an ISA
My partner and I both have ISA's with Moneybox that matured recently. The % rate has changed to a reasonable 4.45%. I looked at a transfer to Plum given their headline rate of 5.01% but delving deeper it seems to be offering 3.79% "if you transfer in". I don't understand the logic of this as I would be a new customer to…
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"How the starting rate for savings works" MSE article - inconsistency?
Article updated 10 December 2024 by Helen Saxon (unable to provide a link as a newbie) says: It then goes on to give an example: The first quote defining the allowance says that those who earn more than £12,570 /year can earn £1,000/year in savings interest before paying any tax on it. The second quote with Cheryl's…
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Transferring 2 Cash ISA's into a new Cash ISA Account
Hi, I currently have 2 Virgin Cash ISA Accounts 1 Year fixed Interest Accounts, created either side of the 1st April 2024 Tax Window. One matures on the 24th Feb and the other on the 24th May. Two questions, firstly will I need to transfer the accounts to a new Cash ISA when they mature or can I just leave them running? If…
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Trading 212 - set up standing order
I recently transferred my cash ISA from Zopa to T212, I would like to be able to set up regular transfers to fund the account, ideally from my salary. But it seems as if Trading 212 doesn't have a feature for doing this. I have a linked card [Monzo] but this is for manually paying money into the account. When I used my…
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I Notice the Moneybox Cash ISA at 5%
I Notice the Moneybox Cash ISA at 5% I want to start an ISA this year with some savings accounts that are ending soon Can I top up this ISA? Anything I should be aware of with Moneybox?
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S&S ISA - HL Ready Made ISA or LifeStrategy
Hi, Got £16k to invest now and £16k to invest at start of new tax year. I've got a LISA on HL platform which is fully invest in LifeStrategy100 (approx £50k). I've now got to use up remainder of my ISA allocation for this year and I'm wondering where to place it. I see HL have ready made ISA plans. I was looking at the HL…
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Coventry Flexible ISA
I just noticed that my Coventry Flexible 4 Access ISA (Online 2) has changed to a Six Access Isa. Happy with that. :)
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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
