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'Exotic' Assets in a Stocks & Shares ISA
I have a query re a statement on the site. On the mse.com site dealing with Stocks and Shares ISAs, MoneySavingExpert.com>Banking>Savings
a page on Stocks & Shares ISAs, Learn More …,
There is a section titled ‘Stocks & Shares ISA need-to-knows’. In the 3rd
point, it states “You can invest in almost anything – from the…
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Best place for lump sum?
Hi. I have just retired and want to get best interest rate on my lump sum. I won't need to make any withdrawals.
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Confused about my ISA
I appreciate this topic has been covered before but I can only find very old threads. And forgive the ignorance! My cash ISA is due to expire at the end of September this year. I’ve currently got just over £15000 in it. Ive had the letter explaining my options and want to change it to another ISA with the same interest…
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Help to Buy ISA to Cash ISA
Hi, Can I transfer my Help to Buy ISA to a normal Cash ISA? I will be buying a house but it is >250,000 therefore the bonus from the Help to Buy ISA won't kick in and it has an abysmal interest rate. I would like to transfer this to a standard Cash ISA as I will be using other savings for the deposit. Thanks for the help
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Fixed Rate ISA with monthly interest payment ( Skipton )
Hi all Skipton has a 4.3% isa that looks promising to me with monthly payment. I'm not very clued up on ISA's but reading the small print am I right in thinking : 1) I can open the account today with £500 then have until the 25th September to top up to 20k 2) Next April I wont be able to add that years allowance and will…
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Best Provider for Long Term ISA
I'm helping my son with setting up some investments. I'm thinking of a low cost tracker that he's going to be putting away for 40 or so years. Are there any particular providers who specialise in this? Are there any ones to avoid? TIA.
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Help to buy ISA v Lisa
Hi after advise, if you have roughly £8k in a help to buy isa and are looking to buy in about 18 months, continuing to contribute the max £200 a month, but would prefer to pay in £400 a month, because of rising house prices a first time home may now cost £300k, is it better to switch to a LISA asap, as potentially…
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Which investments on Dodl pls?
Hello I am switching my LISA from a j bell to dodl due to charges (I can only afford to put in £25 a month). However I don't know which funds to get. In my a j bell LISA I have Lifestrategy 100 and also Hsbc global strategy the most risky one. In my normal isa with vanguard I have Vanguard Global All Caps. I know I dont…
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Help with ISA
Hi . Please help I have a 2 year fixed ISA which I started in August 2023 and deposited the full amount allowed 20K. I would like to deposit for this year another 20K. Am I allowed to open another fixed ISA. Thanks your help is appreciated.
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NS&I to bulk buy or drip feed
Hi, I have a question of probability(?), if you find yourself with a lump sum to save and you want to save it in tax free accounts, is it better to purchase an entire large lump sum of NSANDI bonds eg 10k+, or better to drip feed in smaller 1-2-3k runs of tickets? I realise that NSANDI is not necessarily the best way to…
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British ISA scrapped
The roll-out of a British ISA has been scrapped by the new government despite Labour insisting it had “no plans” to ditch the scheme in the run up to the election. https://www.cityam.com/u-turn-british-isa-dropped-by-labour-despite-prior-pledges/
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ISA higher rate allowance
Hi I understand the allowance for ISA interest paid changes if you are in the 40% tax rate bracket. Is this checked with your latest p60 or is it your responsibility to check? I am always very close to the 40% bracket with my overtime. Sometimes I go over, sometimes I am just below 50k. I have 20k I want to put in an ISA…
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Skipton to Halifax ISA Transfer
I'm attempting to transfer my maturing Skipton ISA into a new Halifax ISA but have hit a bump. The Skipton ask for sort code plus account number AND the reference number to be quoted on the transfer form but the Halifax (online only) form only accepts the sort code plus account number OR a reference number and gives an…
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Trading 212 / Cash ISA - Application ID
Is it possible to apply for a Trading 212 Cash ISA without photo ID? I currently have only a paper driving licence and no current National ID Card or Passport.
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Reg isa
Hi My eldest child is 18 and she is in full time education .I m thinking of investing on isa for her so that she can use for either education or her first house. Does she have any tax implications if she gets regular money in to her ISA through her account.Is there any limitations on the amount I can transfer other than…
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ISA's and IFA's?
I have an ISA which was set up by an IFA who no longer advises me. I mistakenly thought I could manage the ISA myself BUT the money had been invested with an ISA company who only operate via financial advisors. I have no qualms about them. I have been granted a small amount of time by the ISA company to appoint a new IFA…
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Opening 2 cash isa's and moving money between them....
I have opened a fixed rate isa with Shawbrook to obtain 5% rate before it was discontinued. I put £1000 in it for now but don't want to tie up the other 19K at the moment. Is it OK to open a Trading 212 flexible cash isa, currently at 5.2%, withdraw and deposit it in Shawbrook later this financial year when I am ready to…
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recommended providers
any thoughts on the best providers to start a personnel stocks & shares ISA. There are plenty out there but I would like to be able to talk to someone rather than just do it all on-line.
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Stocks and Shares ISA
Hi all, Looking for some advice. I’m planning on opening a stocks and shares ISA with the goal of saving around £50 p/m over the next 30 years to help in retirement any advice on the best stocks and shares ISA currently? And advice for a newbie investing to maximise savings (from what I’ve read it seems pretty complicated…
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Shawbrook ISA transfer
Apologies in advance if this is a daft question, for some reason I don't feel as confident dealing with ISAs as I do other savings. I have a 1 year (5.83%) cash ISA with Shawbrook, comes to an end in a month or so. None of their maturity options appeal so if I simply put it in an easy access ISA with them short term is it…
