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CURR YRS SUBS RMVD
Hi I had some money removed from my cash isa with the Halifax with this message. From what I can see online they will put it back in to my current account. Firstly how long could that take? Or should I report it as have not been told this was going to happen?
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Shall I pay a lump sum of 4K into my LISA or 4 x £1000 every three months?
Hi, I have a LISA acconut with AJ bell with an HSBC Global Equlity index I have invested 8K last year and I was luck that the market went up, so my current balance is around 13K with the bonus. I maxed out my S&S LISA ; 4K in March 2023 and 4K in April 2023 because I felt the market was going up. Correct me if I am…
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Plum ISA - app statement
I've had money in the Plum ISA for a couple of months and thought I'd check how much interest has been credited. Strangely the transaction list on the app for the ISA does not include the monthly interest credits. I asked on the app help where I could find it. In their response it says "crediting of interest does not show…
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Selling out of Fundsmith all in one go and going into Vanguard FTSE Global All Cap Index ?
Hi all, Im invested in the Fundsmith Equity fund on the Hargreaves platform. Its done fairly well over the past 10 years. Within my Hargreaves account I also hold the following funds:Vanguard FTSE Developed World ex-UK Equity IndexVanguard FTSE Global All Cap IndexVanguard LifeStrategy 100% EquityVanguard US Equity Index…
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Solved
I have opened a BoS ISA in my wife's name, as our savings interest is now approaching being taxable. Given our ages she wants all her banking in one bank, she doesn't want an online only app based account and BoS has a branch in our town and that is where our pensions are paid into. Can I transfer the £19,999 directly (£1…
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Help to Buy Isa
Just wondering if anyone has come across this? My granddaughter has a HTB ISA which her dad pays into from his account using a portion of her household Board. Recently a friend has had an issue with accessing their ISA as the deposits came from their parents account. Is this likely to be a problem?
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Re-opening help to buy ISA
My property fell through 6 months ago and I am trying to get a purchase failure notification to submit to the bank so I can reopen my help to buy ISA. How would my solicitors go about obtaining this purchase failure notification? They’ve never done it before and the bank say it’s something the solicitors needs to obtain.…
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Have I lost my bonus?
Hi, I fear I have lost a chunk of my house deposit by making a mistake with ISA’s. I have a dormant help to buy ISA with no money in it, opened years ago. This march I opened a lifetime ISA and have been paying in and now have a few thousand in it. I’m now ready to buy a house, offer accepted - but I fear there is now no…
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Cash lisa
Anyone have one? I've held one with Newcastle building society since 2019 paying me 3% interest. I had it because i thought it could help me buy a house but i've since read that it can only be used on new builds etc not a run down house for 50k. I'm thinking of taking it out and putting into a saving account that would pay…
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Help to Buy ISA
My Son is buying his first property and was told by his conveyancer to close the HTB ISA so that the funds and bonus will be available for the purchase of his property. He has now been told by the Halifax that because he has done this he has lost the bonus. He closed the account online and should have gone into a branch.…
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Dilemma: New ISA v top up existing
I have a fixed rate 1 year ISA for tax year 23/24, from Barclays with 20K that matures in September this year. I want to add another 20K for tax year 24/25 and I do not know what happens if I just top up existing. I feel like I want to take our a new one to ensure I get another fixed rate. What do others do? Any advice…
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MoneyBox ISA Rate - does it change once new financial year starts?
Hi I have a money box account that I opened in jan 2024. it was opened with the interest set at 5.1. now that the new financial year has started. The £20k i have in there will this be at the same rate or does it drop to a different rate, I am trying to navigate the money box app, but cannot seem to find this information.…
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S&S ISA Funds Suggestion
Hi Everyone, I have opened a S&S ISA with HL, funded with £20K Need suggestion for selecting funds (Investment period is 5Years +) I have shortlisted few below -- Is it a good option to just go for HL MULTI-INDEX ADVENTUROUS CLASS A - ACCUMULATION (GBP) (OCF is 0.30%) OR It will be better to select few funds form the the…
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Combining Junior ISA accounts question?
Hi All So we adopted our son back in 2020, its come to light that he had 2 Junior ISA accounts. One is with 'The Children's ISA' which looks like a stocks one. He also has a Cash ISA which is foster carers setup for him with Lloyds. Can both of these be moved into a New Cash ISA with someone like Tesco bank who pay 4%…
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Flexible cash ISA
At the moment I am using my Zopa Cash Flexible ISA @5.08% as my easy access account instead of Santander Easy Access Saver now @4.2%. I used £11,500 of my £20,00 ISA allowance on a Virgin 5.25% 1 Year Fixed Cash ISA so I have £8500 annual ISA allowance left. Is it correct that I can keep adding and withdrawing to my Zopa…
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Keeping LISA, SIPP and ISA with the same broker
Does anybody keep all tax sheltered accounts with the same broker to minimise fees? If the broker has a maximum yearly fee, and it is across all accounts, it could make sense for investors who's total holdings are large enough, but separate accounts are not. However, I know the main 3 mentioned here (DODL, AJbell and HL)…
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Advice on opening multiple cash ISAs
Hi All, I recently opened a Virgin fixed 1 year cash isa and had the funds in my ISA from the previous year transferred into it. I hadn’t realised that with the Virgin fixed cash isa, it was only possible to deposit funds within 30 days of opening the account. This is not ideal for me as I will not be able to save to the…
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Saga/Marcus Cash Isa
Just had email from Saga saying instant access cash ISA rate is changing on 15 June. Down from 4.75% to 4.55% (including bonus). Assume Marcus will be making the same change.
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Skipton Building Society not paying interest on ISA
Hi All, Felt I should start a thread highlighting this issue I am currently having with a cash ISA I hold with Skipton Building Society. I have held an ISA with Skipton for several years now and never previously had a problem. However, my account was due interest on 2nd October, which I am yet to receive (I am typing this…
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What "Tax Year" should I use to transfer a dividend?
So I have 2 Stocks and shares ISAs, * A - I opened a previous year and contributed nothing to in this tax year, holds things that cannot be held in B. * B - has better rates than A but fewer choices. If I want to transfer a dividend that got paid into A this tax year into B. is it a * Previous year because the dividend is…
