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More than a year ...?
I'm a little late investing my ISA funds this year. Hoping to invest the full £20k. What are your views on fixed cash ISA longer than a year - there are some good 2 year fixes out there - who has a crystal ball and has a view on this?
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Help to buy ISA and new ISA rules
I have a Help to buy ISA which I have had for several years with the maximum bonus balance of £12,000 (so I will not be adding to it, due to better interest rates elsewhere). If I am correct, it is classed as a 'cash ISA', so does this mean the changes to ISA rules allow me to open another cash ISA alongside this? Thanks.
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Moneybox LISA increased to 4% (+1% fixed 1 year bonus)
Didn't expect this, but a nice little bump on Moneybox's LISA today:https://www.moneyboxapp.com/isa/lifetime/cash/ I hope Tembo have a response to it.
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Paying into a cash isa
Just wanted to check on my understanding of the new Isa rules. I have paid £19 k this 24/25 tax year into an existing cash isa which is due to mature in December 24. Can I open another two new cash ISAs now, and pay £500 (into an easy access) and another £500 ( into a fixed rate ) which will effectively use my remaining…
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CGT and Isa
When working out your average buying price of a fund for CGT do you include the price bought in an ISA account. I am aware no tax is payable on the ISA held funds but also have some of the same fund (Vanguard life strategy 60) outside of the ISA that I want to sell and but back to use this years CGT. Thank you.
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Previous isa's
Hello I wanted to move my Help to Buy ISA, from last year, into a better/higher interest rate H2B account but open a brand new Cash ISA with my own bank. If I don't deposit any more money into my H2B ISA can I still transfer my current H2B ISA into a new bank account and deposit new cash into a new ISA bank account?
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HSBC Cash ISA - delay in opening
I have had a current account with HSBC for many years. I am attempting to open a 1-year fixed rate cash ISA. HSBC have all my personal details, there are ample funds in my current account to fund the deposit for the cash ISA. Why then do HSBC say "it make take 5 (or 7 or 10, depending which bit on their web site you read)…
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Cash ISA withdraw terms
I'm trying to make sense of the terms of my Moneybox Cash ISA. Its hard to get a clear understanding. My question is with withdrawing. My interest is paid annually and its easy access. Q I believe if I withdraw now, my interest would be paid at the point of withdrawl? Or would it be paid after the year is up? OR if I dont…
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Fixed Rate ISA moving abroad
I am British and was resident in the UK at the time of opening a Fixed Rate ISA with a well known and established financial institution. I made two distinct transactions, the first one the second week in April 2023 (transfer from another ISA provider) and the second one the first week in May 2023. In June 2023 I left the…
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Cash ISA - existing customer opening a new ISA account
I have tried to open a Barclays cash ISA at 8pm last night and received a message to say this can only be done between a certain time. Question, is this common practise ? As I have not received any notifications about this.
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Saving for my child's future
Hey guys, as new parents me and the wife want to try give our child as best of good start as we can. We are looking at opening an ISA. As we understand it it our child could gain more with a Junior ISA stocks and shares over the next 18 years. From various generous family and friends we should have around £700 to put in at…
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CHIP CASH ISA
From reading all the literature, CHIP say they pay interest on their Cash ISA on the 4th of every month, but it's now the 5th and mine is still showing as Pending. I've messaged them but they can take a few days to reply. I was considering transferring in money from another ISA, but have doubts about their reliability if…
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Best joint ISA?
Hi I’m looking to open an easy access joint ISA with my husband. Does anyone have a recommendation?
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Funding old S&S ISA after transfer
Hi all, Please excuse me if this has already been asked, but I couldn't find an exact match. I recently opened a new S&S ISA with provider B and am in the process of transferring my existing (full) portfolio from provider A to save on holding costs for long-term holdings. I have not added any funds to either of the…
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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?
