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H2B ISA vs. LISA
Hello! As it stands I have a help to buy ISA with Nationwide that has just over £12k in it, and I'm not thinking of buying a house within the next year or so. I've got a few questions that hopefully can be answered if that's okay: Should I open a LISA quick now and get 4k in this year and another 4k in next month? The H2B…
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Opening a second S&S ISA
Hello, I have 1 S&S ISA with Vanguard where I have ~£40k in a Money Market Fund that I intend to start drip feeding this year. I want to open a new ISA as a 'fun portfolio', where I'll invest into companies that I find interesting, but I'm aware of the pitfalls of thinking I have any knowledge or edge etc. What's the best…
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Non Resident to resident.
I have been non resident for many years. I will be in UK from April 4 to August 6, just over 4 months,then I will be back in UK from Jan to March next year, 3 months. Will I be able to start an ISA on April 5. I have a GIA already, to transfer shares from. Or will I have to wait until I have over 6 months in the country to…
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Santander Multi Fund Index 1RA
Is it worth hanging onto this fund as the performance has been very lacklustre over the past three years? What other low risk Santander funds should I be looking at? (Sorry, this should be in the Savings & Investments section) Thank you.
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Halifax ISA maturity instructions
Has anyone with a Halifax ISA or other savings accounts received their maturity instructions? Mine are due to be received as maturing in 2 weeks, but not received any correspondence online or in post and no options showing online either? According to the below the options should be visible…
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Transferring/opening new fixed rate cash ISA
I am not sure exactly how ISAs work so I could do with a little help. Currently I have a £20k fixed rate cash ISA with bank A that matures on April 15th this year that I opened for the first time last year. But I have seen a much better fixed rate cash ISA interest rate with bank B. So after April 15th can I transfer the…
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Two ISA's In 1 Year?
My wife has not yet used her 23/24 ISA allowance, we are thinking about putting £10k in a 1 year fixed cash ISA and £10k in a 2 year fixed cash ISA, is this allowed and if so can I do this with separate companies?
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Transfer Gatehouse EA Cash ISA to Charter EA Cash ISA
Good morning, I've a fixed cash ISA with Charter Savings Bank due to mature in a couple of weeks... For the moment, I'm opting for the 20K to go into their easy access cash ISA until around mid May... I'll then fix again with another 20K of the 24/25 allowance... I've also currently got an easy access cash ISA with…
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ISA transfer and new ISA
I have a cash Isa fixed with Santander this matures on the 2/4/24 I want to transfer this to Paragon 1 year fixed at 5.05% however I also want to add 20k on the 6/4/24 new tax year would this be possible or would I need two accounts with Paragon. Thanks in advance for any replies
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£33k in Barclays Plan & Invest S&S ISA
Hi all I've been with Barclays most of my life - my grandad worked for them. I currently have £33k sitting in their Plan & Invest Stocks & Shares ISA. I have no immediate plans to move it in the next financial year, but wondered if others suggest a better S&S ISA provider? I was looking at Wealthify. There's no immediate…
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new tax year, new ISA, new savings account... advice...
Hi All, I'm looking into the best options for my savings and what I should be doing in the next month or so. Currently I have: * a Virgin Money 4.11% 1 year fixed ISA (opened in March 23) * a Cynergy Bank 4.70% Online ISA Issue 42. * some money in an easy access savings account with Tandem (4.90%). I want to keep some in…
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Advice re Baillie Gifford Fund in ISA
Hi veryone,Hoping for a bit of general advice please.I opened a S&S ISA back in early 2021 and invested the money in a fund that seemed to be doing well : Baillie Gifford & Co Limited Baillie Gifford American B Acc (BGAMAB). Sadly soon after that it plummeted in value and i think i dropped to 50%. I am investing for the…
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Transferring out of NS&I
I recently started the process to transfer an NS&I Isa into Zopa, however after setting up a current account and then an ISA I discovered that transfers between the two aren’t possible. NS&I are not on Zopa’s list and they will/can only transfer out of companies that are on the list . ( The list is not apparent before…
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Paying into and transferring into the same type of ISA
Hello all, I have a quick question about the upcoming ISA allowance for the 24/25 tax year. I am looking to put £20,000 into a S&S ISA, which, as I understand, is the annual limit allowed for contribution. However, I currently have a fixed cash ISA which is due to mature soon. Can I also transfer this into a S&S ISA, in…
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ISA portfolio -good/bad/ugly
Very little knowledge of ISAs but have accumulated the following for long term growth (15+ years). Now we are almost into the new tax year wondering if best to put the next Isa allowance into one of these robo advisors I already have, or open a new fund. Would love to have more knowledge but quite liked the robo advisors…
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Renewing a maturing Barclays cash ISA to a new Barclays 1yr fixed term ISA - A cautionary tale
Three weeks before my Barclays ISA was due to mature I was invited to view my maturity options. Using the Barclays app. I selected a 1yr fixed rate Cash ISA product and ticked ‘transfer funds from existing ISA on maturity’. Simple, you would have thought BUT submitting the data immediately opened the new 1yr account which…
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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?
