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ISA Recommendation for Trading US Shares
Hi I would like to open Stocks and Shares ISA to deal with US shares. I see there are plenty of providers and I seem to think T212 is a better fit. Consider starting with 5K ...and slowly building up to 50K+ ( year on year). T212 does not charge Platform Fees / Buy and Sell transaction charges - but a 0.15 % FX fee - so it…
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Maximum you can put into other Cash ISA if you pay £200 a month into HTB Isa?
I'm not sure if you can open another cash ISA if you already have a help to buy ISA. Although you can pay £20,000 per year into a cash ISA, its only £2,400 per year in a help to buy ISA. Are you allowed to open a separate cash ISA ?
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Lifetime ISA used more than once
Hi, I have recently used funds from my lifetime ISA to purchase my first property. As part of this I received the 25% government bonus. The account still remains open and has some money left in it. My question is, now that I have withdrawn for one of the claimable reasons ie. First house purchase, can I continue put money…
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Flexible Zopa easy acess Isa 2023 -2024
I have a fully funded Isa as above, I know what the flexible part means, I can withdraw any amount as long as I replace it in the same tax year. My question is, what if I withdraw any amount in a different tax year from that same Isa tax year, do I then loose the amount withdrawn?
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Local Government Pension Scheme and a SIPP?
Hello, I’m 49 and pay into the Local Government Pension Scheme and a basic rate taxpayer. I have always assumed that I am not allowed to take out a SIPP myself because I already have a pension with my employer. I’m wondering now if if perhaps I am allowed also to pay into a SIPP it might be preferable to taking out an ISA,…
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Charter Savings Bank Fixed Cash ISA Maturity Options - 1 or 2 Year?
Good afternoon, I've been offered both 1 & 2 year options for my maturing Cash ISA with Charter Savings Bank... I won't need to access the 20K within two years so with rates predicted to fall imminently, would the 2 year be the better option... I appreciate I can get slightly better 1 & 2 year options elsewhere, but they…
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Charter 1 yr fixed rate isa interest
My 1 yr fix matured this morning and ive found that the interest has gone straight into my nominated account which i didnt want. I wanted it remaining in the tax free wrapper with the sum i originally saved. On maturity i opted for their 5.03% easy access isa so that i could have more time to decide what to do and assumed…
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Cash ISA
If I have added £20000 it my isa by March 2024, can I add another £20000 to it in April 2024 in the next tax year?
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Coventry Building Society ISA transfer process
Using the online transfer process to move previous years funds into an ISA with CBS I have encountered a problem that CBS didn't seem to know about. My request was rejected because the form sent to the other building society has the following question and answer on it 'Have you subscribed current years funds to this ISA?'…
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Leeds BS ISA Maturing
Hello - I've tried searching the forum but can't see the scenario detailed that I have... My Leeds BS ISA (12m fixed) is maturing on 2/4/24. this is at 3.75% It will have around £83k in it when the interest is paid. Leeds don't have anything competitive so I think I want to do the following with these funds... split the…
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Changing stocks within ISA
If I have a stocks and shares ISA setup with an online tool (eg investengine) am I allowed to change the allocation within the ISA at any time, eg buy an ETF, Sell an ETF, move to cash etc (all within the ISA)? I'm asking this because if I think an ETF might be decreasing in price I might want to sell it, move to cash and…
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Metro refusing to allow me to pay back in withdrawn funds into my Easy Access Variable Rate Cash ISA
In 2018, as I needed access to my Stocks and Shares Isa funds I transferred it into a variable rate flexible cash ISA with Metro Bank and ever since then I have been adding in 20k extra per year. At the beginning of each tax year I have been withdrawing all of my built up fund in the cash ISA and used them to offset my…
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Additional Rate Taxed Savings ... what to do?!
Hello everyone, This year (and maybe only this year) I'm an additional rate taxpayer. Due to a house sale I've had a fair amount of cash sat in a high interest account all year, and this has accrued about £9k of interest! (Barclays Blue Rewards Saver 3.5%) I've already used my £20k ISA allowance so am wondering what is…
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Transferring Santander Fixed Rate ISA
My Santander ISA matures on 2 April and I want to transfer it to a new provider as their rates aren’t competitive. Are there any providers who are very efficient for transfers or any to avoid?
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Drip-feed from Chip ISA to regular savings - cons?
Anyone using the Chip ISA? Can I simply move all my money there and drip feed out to higher rate regular savers if I need to? Normally should just be covered with my salary but what could go wrong with this strategy? I've just seen the MSE high-interest lump sum and drip-feed from lump sum into regular savers comparison…
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Opening a second cash isa before April
Hi, I am newish to ISA rules and wondering if someone can help me. I opened an isa in 2022 fixed for one year at my full allowance of 20k. It matured in Oct 2023. I transferred the full amount including the interest which i thing was around 20.8k at the time into a fixed cash isa with another provider. I would like to open…
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CHIP cash ISA
Does anyone know if I can sign up / open a flexible 5.10% CHIP Cash ISA now, and not fund it until after April 6th, or do I have to fund it with at least £1 (which I don’t want to do). I can’t seem to have that clarified anywhere. Thanks.
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Getting the interest rate updated on your Cynergy Online ISA
Just posting this for the benefit of others as I almost lost out. I took the advice of Money Saving Expert and opened a Cynergy Bank online ISA at the start of February - just a month ago - and deposited £20,000. At the time the interest rate was 2.85%. Then Cynergy very quietly announced that their online ISA has risen to…
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Anyone have S&S ISA with Virgin Money?
I have another thread explaining what I want to do with regards to opening a Virgin S&S ISA before tax year end, for allocating maximum £20000 funds. I will be investing approx £3000. Plan is to move this to Virgin Fixed Rate ISA. The main question is, I see there are fees with regards to management, account holding etc..…
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Cash ISA - move to new cash ISA
Hi hoping someone can help clarify this for me please as a bit confused ! In April 23 I opened a new cash isa in order to get a better rate on a prior year cash isa which was with a different provider. I have not put any new cash into this isa this year ie just the prior year isa value. question I have is can i still open…
