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ISA maxed out
With ISA maxxed out, what might be good, low/no tax options for investing. I just read an article suggesting gilts be the way forward. suggestions, please. Thanks
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Savings & Investments spilt 2024
Wondering how folks spilt this up, this is what I was doing Cash ISA 45%(75% easy access & 25% fixed) S&S ISA 45% (90% equity 10% bonds) Gold 10% Any thoughts?
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Can you transfer a fixed-rate ISA to an easy-access one before maturity?
Hi, This might sound like a weird question but I was wondering if you can transfer a fixed-rate ISA to an easy-access one before maturity. I've currently got a really good rate of 5.7% with Virgin Money, which is giving me around £49 in interest each month. The ISA is due to mature in August. I understand that I'd be…
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Quick ISA transfer - Barclays to Oaknorth in 1 working day
Positive post alert ! I opened a fixed rate cash ISA online with OakNorth in the early hours of 11th April, applied for the transfer of funds from a Barclays ISA at the time of application (a fixed rate that had recently matured and converted to easy access) and the funds were showing in the new account this afternoon…
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ISA monthly interest
Could anyone please tell me if l elect to have my monthly interest from a cash ISA transferred each month to my current account does it retain its tax free status?. l have looked for a definitive answer to this with no success. Thank you
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Cash ISA help please
Hi All, I have a NatWest 1 year fixed rate Isa which matures in September. It is at 5.7% so a very good interest rate but when it matures it will go into a 1.75 cash Isa (not so good) I want to open a new cash Isa now with a good rate and put the full £20,000 for this tax year into it but what I want to know is whether I…
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Longer comparison list of best cash ISAs?
This page https://www.moneysavingexpert.com/savings/best-cash-isa/#faqs gives a short list. Is there a longer list available?
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Income AND Accumulation version of same fund in ISA?
Hi there, I already have Vanguard's STMM Acc fund in my ISA. But I was thinking of holding the Income version too so that I can distinguish it from my main growth funds and use it as a savings account to hold and distribute my 25% tax free SIPP cash each year and some drawn down cash from the growth part of the ISA. I'd…
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New cash ISA
Can I open a new Cash ISA in a new financial tax year, while still paying into my Help to Buy ISA monthly (the max £200 allowance) that I opened approx 2-3 years ago? thank you
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ISA transfer "IN" not as easy as the "OUT"
Hi All, apologies if this is something that has been asked many times before. Am I the only one that's noticed that transferring and ISA OUT tends to be relatively easy (either the electronic or the somewhat archaic but understandable snail mail) but finding someone that will allow transfers IN seems to be more challenging…
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Is anyone topping up their Barclays Fixed rate flexible ISA ?
Hi I opened 2 Barclays Fixed rate flexible ISA's a while back 1yr @ 5.2% (maturing 27/11/24) and an 18 month @ 5.05% (maturing28/05/25) I'm trying to work out if they are worth topping up with new money and if it's even possible to top up both. ATM they both have £10 in. sx
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Growing ISA’s over a ten year period
Apologies if this is an obvious question but I was a bit clueless with ISA’s taking the interest from a maturing one then closing and opening another for years. I know, stupid. Anyway, I have an ISA maturing 12th April and another in October. My plan is to transfer the maturing ISA to a new Cash ISA, add another £20k and…
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What happens if I transfer too much to an ISA?
I made a mistake and should be due to have £20,001 in my ISA instead of just 20. The transaction hasn't completed (definitely the correct amount, I tested first with a smaller sum), but the money is nowhere now so I've messaged both building societies. I know it can take some time (the advised timescale has elapsed), but…
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LISA and High interest savings
I have 45g to invest and want to buy a property in 2/3 years - can anyone please advise me on the best options?
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Logistics on changing fixed ISA to new provider
Apologies if this is a very basic question but I’ve not had a fixed ISA before and now have two maturing in the next month. Ideally I will probably want to change provider. How does this work in practice? I know with normal cash ISAs the new provider handles the transfer, effectively pulling in the funds, rather than the…
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More than 20k to save, can't get my head around ISA's.
I'm honestly absolutely clueless. I opened an ISA last November with 20k. As I understand it, I can now open a new ISA in this tax year. I am lucky enough to have another 20k to put in it. When November rolls around, what do I do with the first 20k? As I won't be able to open any more ISA's until the following April? I'll…
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Cash ISA help/advice needed please
Firstly apologises if this topic has been covered at some point. I have a Cash ISA thats been sitting with a provider for a good few years and matures on 16th April'24. Its fair to say its more than £50k. If I transfer all of this into a Stocks & Shares ISA, I think I can contribute another £20k for year 24/25. My question…
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Fixed ISA
Hi, I have a fixed 1 year ISA for 2023-2024 with Halifax which matures on 15th May. This has a balance of 23k. I want to open up a new ISA for 2024-2025 which I have 60 days to fund. I want to fund this instantly with 20k from my regular saving account. My question is, will I be able to do this and then make a request to…
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Consent.online
Hi, Just trying to open a cash isa with Shawbrook, even though they have all my details and nothing has changed for years, they sent me this message; ----------------------------------------------------------------------------------------------------------------------------- "We take your personal security and fraud…
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Instant Access Cash Isa
All of our ISAs so far have been fixed rate as we have never needed to get to them However we now want to open one where we can put money in, take out if needed and then replace later up to limit of course. I wonder if you kind people can advise best one and way to go about it. Thanks. M99
