-
2024 multiple ISA rules
After reading this article (https://moneyweek.com/personal-finance/savings/isas/multiple-isa-rule-how-it-works) I have a query regarding the multiple ISA rules. I was under the impression that if I had opened a cash ISA in the tax year 2024/25 and paid in £10k then I could open another cash ISA with a different provider in…
-
ISA help please
In April I placed £18000 in a Halifax Stocks and shares Isa. Due to a relationship breakdown I had to withdraw it My question is do I still have my £20000 limit to use or is it just £2000 now? Thanks in advance
-
Deadline for transferring soon-to-be matured Fixed Rate ISA to new provider
Apologies if this question has been asked before. My 1 Yr Fixed Rate ISA with Shawbrook Bank matures on 20/09/2024. I am considering opening a Natwest 1Yr Fixed Rate ISA and completing an ISA transfer request for the Shawbrook ISA to be transferred to it observing any notice period. So the earliest the transfer could be…
-
Stocks & Shares Advice
Hi - looking for some advice/tips. I am 37 years old, I have £23,000 in savings and I have just set up a stocks and shares ISA (s&p500 VUSA) and I will be contributing £600 a month to this. I am contributing the maximum amount into my workplace pension and I have £105,000 left on my mortgage. My questions are should I…
-
Best stocks and shares JISA?
I’m looking to open a JISA on behalf of my grandson - does anyone have any recommendations? I’d like it to be very easy to deposit money.
-
how do I trace my late wife's help to buy ISA ?
My wife passed away in July last year the day after we were married of cancer . I know she had a help to buy ISA but cant find any trace of paperwork etc for it . does anyone know of a way I can trace it please ?
-
Sell SAYE shares
If I sell 20k of my SAYE shares and put the money straight into an ISA will this avoid me paying captain gains tax? On the website it’s confusing, saying I need to transfer shares into the isa so a little confused
-
Cash ISA transferred to a new provider who put the money in a current account
I recently initiated an ISA transfer from my existing account at Chip to an ISA I held at Virgin. The process appeared to go fine, and I received an email from Virgin saying that my funds had been successfully transferred to my ISA account with them. When I logged into my Virgin account a few days later I was shocked to…
-
Nutmeg vs Natwest ISA
I have a S&S ISA with Nutmeg that I consider as a secondary rainy day fund, on top of savings in current accounts. Currently with 10k and might add another 10k in the future and no plans to withdraw in the short term. Selected risk level 2 (cautious) allocation that has like 40% equities. Natwest has a similar ISA with…
-
Interest/tax question
I know this is covered in some MSE articles and in other threads but I still find it confusing. My wife (basic tax payer) and myself (higher bracket) have £46k in savings (currently in a 5.1% variable account), in addition to having maxed our ISA allowances this year. Are we likely to go over the tax threshold for this…
-
HSBC USA vs premier account
I have the opportunity to change a hsbc cash is a to an investment isa but comes with heavy fees..I could transfer out of hsbc to a better performing company but may lose my premier account status…what’s your opinion?…
-
Virgin Money ISA transfer out problem
Hi I have a transfer to Nationwide of my Stocks and Shares ISA started on 09 May 2024. It took until 18 Jun 2024 to sell the units and now the money just sits there. I've chase VM many time but just get stock answers. Raised complaint. I found out that Nationwide have been chasing VM too. Sent email to Financial Ombudsman…
-
isa in two names has has been suggested by solicitor
Is this possible? Can I give my son 20k in an ISA that I have both him and I as signatories? so I have some control of his withdrawals?
-
Monthly Income from Stocks & Shares ISA?
Is there such thing as an S&S ISA that will pay out a monthly income, in a similar way to a Drawdown SIPP? Presumably dependent on the underlying Investmentss paying monthly income? Or is this a really stupid question :)
-
Stocks & shares ISA limits
Stocks and
shares ISA advice please. If I receive a dividend of, for example, £1000 from a
company whose shares I hold in my Stocks & Shares ISA can I then use that
money to buy more shares in the same company, or a different company, in
addition to my £20,000 allowance? The dividend would be paid as cash into my
ISA, not…
-
Flexible ISA - previous years' money
I thought I understood the Flexible ISA rules, but seeing this comment from Virgin about previous years, now I'm not sure. Are they saying that if your balance includes previous years transfered in, that portion is excluded from flexibility? "As this is a flexible ISA, you can take money out from your account and put it…
-
Trading 212 Cash ISA - QMMF protection
This cash ISA came up top of the list on MSE so I went to open an account. However MSE says that it's FCA protected, which is true if you choose not to earn interest, but Trading 212 says you have to consent to keeping your money in a QMMF (which isn't FCA protected) if you want to earn interest. Am I right in thinking…
-
JISA / LISA / ISA for 18 Year Old
My son turns 18 very soon and his Junior ISA will be automatically converting to an Adult ISA. We already have a reasonable sum in his JISA - enough for a ten percent deposit for a first time home anyway. So what's my best route - can I transfer his now adult ISA into a LISA to get the 25% bonus? Or am I limited at…
-
UBL and United trust bank
Hi all, I would like to go with a cash ISA from UBL or United trust bank. I dont know much about either - has anyone any experience of them please? Thanks Mia
-
Maximising allowance across ISAs
I have opened a flexible cash isa with Trading 212. I have transferred (and closed) my old cash ISA. I also have a stocks and shares isa, which I contribute at £300 PCM and a lifetime ISA at £25 PCM. I am trying to understand if I can do this: So far I have contributed £1500 to my stocks and shares isa (5*300) and £125…
