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Core fund for ISA - Vanguard LS 100?
Hi everyone, I had to find a new place for my S&S ISA as my robo advisor exited the UK. I went to a DIY platform and bought Vanguard Lifestrategy 100 fund and have been adding to that fund since. I now am wondering if there is a better alternative core fund to keep for my S&S ISA like the FTSE or MSCI all world index…
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Fixed Rate ISA - Interest Paid At Maturity - What Happens If I Take The Money Out Early?
Sorry if there's a thread around here somewhere about this but can't seem to find it, or find an answer in the T&Cs. I'm just curious - I have an ISA that's fixed at a certain APR for 12 months & pays accrued interest at maturity not monthly. The T&Cs say I can take the money out at anytime (there' s a penalty but it's…
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Nationwide not setting up ISA's correctly when rolled over online - No Monthly Interest Paid !!
Hi, I have had a number of cash ISAs with Nationwide
which I have rolled over with them for a number of years and have always opted
for "Yearly" interest to be credited at the end of the annual term as
opposed to "Monthly" interest (at a slightly lower rate) credited to
my currently account monthly. For 2024 as the cash…
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Do I need a Financial advisor
I have a s/s isa with prudential, it has been sitting there for many years now, and I have not added to it, not taken any thing out, and that is the way it will remain, my financial advisor has told me, if I want to draw money out, all I need do is to get in touch with Prudential, and they will release the funds. So my…
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Help to buy isa
Can you use a help to buy ISA for a property that will be purchased without a mortgage?
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Moneybox
Does anyone know if Moneybox is a good company to open an ISA with?
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Anyone transferred a cash isa to Zopa?
A few weeks back someone posted that their transfer to Zopa had failed. Apparently this was due to a fault in Zopa's system whereby it couldn't accept an amount that differed to that declared during the opening process but on closing the transferring account, interest gets added thus resulting in a discrepancy between the…
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ISA Rules
Hi can anyone help with this question? I have a 1 year fixed rate isa maturing next month with the maximum £20,000, if I open a new one for this tax year for another £20,000 can I add my maturing one to it so would have £40,000 the new isa ??? Thanks Kevin
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Inheritance
If I pass away before my Isa ends, can my son claim the money without any problems?
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Zopa monthly ISA interest
I use my flexible Zopa ISA@5.08% as my EA account. It pays monthly interest. I know this does not count as part of my £8500 ISA allowance on this ISA which is what I have left of my £20K 24-25 ISA allowance. My balance did reach £8500 for a short while, before my first monthly interest payment. However, if I now want to…
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Trading212 - "Please note you have been classified as a retail client."? And can't transfer in!
Hi, So I looked at creating a new ISA account to transfer last years ISA over to, based on being the best easy access account on offer. Trading212 at 5.2% I have done the verification, but notice the email says "Please note you have been classified as a retail client." Is that normal? I've yet to Add Funds, as below, as I…
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Child Trust Fund maturity and investment into senior cash ISA
My kid’s Child Trust Fund is due to mature when they reach
18 years this August. I have saved for them through out and have an excess of
£20000. On maturity, I want to save this ( they will operate) to a Cash ISA
with high interest. I got in touch with Kent Reliance which offers a great
interest rate for their variable…
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Confused by best Lifetime ISA and transfers
I've got a Lifetime ISA with Skipton that I've had for 2 years - balance around £10,000. I'm looking to to transfer to get a better rate but I'm quite confused by the transfer offers out there. Moneybox have the best rate at 5%, but only for a year. Tembo offer 4.3% but a cashback bonus of up to £300, which their post says…
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STOCKS AND SHARES ISA
Hi, we have been involved in a contentious probate dispute for nearly three years now, and Hargreaves Lansdowne have asked me as the executor to decide whether I want to cash in the portfolio now ( as it has been 3 years since the since the policy holder passed) or let it run, but no longer benefit from the tax free status…
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Non Payment of ISA funds since the death of a husband
Good evening all, I am seeking advice to this problem - My father in law passed away on the 26 Nov 23 who had an ISA with Virgin Money. To date this still has not been paid to my mother in law despite them having everything they need paperwork wise since Dec 23. Every time she phones them she gets told its in hand but its…
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Transfer money in and out of a S&S ISA to/from Cash ISA
I have a HL Stocks and Shares ISA with an amount held in cash earning no or very little interest. There was some confusion as I was initially told I could open a HL cash ISA and make a transfer from my S&S account in. However, this is now only possible by opening with £1 and as I have already maxed my 2024/25 £20k…
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Help to buy ISA and property over 250k
Hi, i'm a first time buyer and have a help to buy ISA. I have found a property which is 255k (over the ISA bonus as outside of London). It is a new build so the developer has offered a 5% contribution which will reduce my mortgage requirement. Can i claim the bonus from my ISA? or will I lose it?
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How Many ISAs
If I have a Help to Buy ISA with provider A and a Stocks and Shares ISA with B, with total less than £20k,if I want to have a further Cash ISA in this tax year do I have to get it from A or can I go and buy from a third provider C?
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Multiple Cash Isa Accounts
I have £42k in a fixed one year cash ISA that is soon maturing, on the 12th July, from last tax year. I also have £20k that was put into a regular 1 year fixed bond at about the same time. My plan was to open a new cash ISA with the 20k cash and transfer in the 42K from the ISA. I believed that the one year fixed bond…
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Partial ISA transfers
Hi all, I'd like to split my current ISA to 2 new providers as I'm close to 85K, so want to split. How can I find out if a new ISA will accept a partial transfer? There's no info on forums that show best ISAs and limited info on the banks' websites. When I try to phone some, the agents I chat to often have limited…
