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Transfer not done in time
Hi does anybody know? I have completed the paperwork to move £4K into a LISA approx 3 weeks ago. LISA provider is saying they will do their best by 5/4/2024. If they fail is my issue with the funds ‘receiver’ or ‘sender’. Is there anything I can do regarding the deadline possibly passing?
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39yo with LISA, options for next tax year
I opened my first LISA, a cash LISA with Moneybox, this year. With intention to by my first home in the next couple of years. I'm a bit confused about transferring them. My Moneybox LISA interest rate will fall down to 3.5% in November 2024, so I'll want to transfer/start a new cash LISA. Reading about LISAs, this seems…
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Seeking Advice - High-Risk Stocks & Shares ISA and Diversification
Hi everyone, I'm hoping to get some advice on my Stocks & Shares ISA strategy. I currently have an ISA with a major bank and £80,000 invested in their "riskiest" ready-made option. With the new tax year approaching on April 5th, I'll be able to add another £20,000 to my ISA allowance. Here's my dilemma: * Stick with the…
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First ISA - Best Options?
Hi, I have historically been pretty lax with smart saving but did open the Santander High Interest savings account last year. I deposited immediately and have reached my tax-free interest allowance on savings accounts (40% tax payer). I understand I can also utilise the ISA tax free allowance so am looking to transfer the…
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When to transfer Cash ISA?
Hi, my current ISA matures April 1st. I want to move to a new ISA with a better rate. When should I initiate the transfer? Do it now? Wait until after April 1st Wait until after April 6th?
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Virgin ISA Question
Can anyone help and give me a clear answer to this? Can I open a Virgin Money Defined Access Cash E-ISA (5.06%) and not be required to fund it immediately?In their info. they write that an initial deposit can be made by card. It’s not clear if that is required or simply an option. Really what I want is to open the account,…
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Bed and ISA limitations
I just spoke with Interactive Investor who confirmed that moving a fund from a Trading to ISA account under Bed and ISA prevents you being out of the market. However, you can only sell/buy the same fund class. Since my Trading fund is Inc. and my ISA would be Acc., that's not much use. Is there a technical reason for this…
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Cash ISA Query
I'm hoping someone can help me clear up some household confusion: 1: We each have 1yr Fixed Cash ISA £20k (23/24 tax year) matures 31.03.25 2: If we each open 2yr Fixed Cash ISA Cash ISA £20k (24/25 tax year) after 6.4.24 As ISA's No2 are 2yr ISA's does that mean we won't be able to open ISA's in 25/26 tax year as we've…
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ISA Stocks and Shares / Cash ISA in different providers?
Hi guys! My Dad has some Stocks and Shares ISA in a provider who doesn't provide Cash ISA facility (only Stocks and Shares ISA), but now he wants to open Cash ISA as well. Can he open Cash ISA at different provider? Many thanks!
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Cash ISA - funding by Direct Debit
Apologies if not posted in the appropriate forum.Is there a Cash ISA for 2024/25 that will accept incoming monthly Direct Debit credited from an external bank current account ?I believe Nutmeg allows this - just wondered if there were others ?
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ISA limits & number of accounts - help please!
Hi everyone, I've been trying to understand the ISA rules (I'm new to these) but I'm even more confused now! Please can someone help me by answering these questions? 1) I have opened a Cash ISA this month and put all my savings into it. Its under the £20K limit. I think that is the only type of ISA I can open this…
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Moneybox increasing rates.
Up by 0.1% on their easy access ISA.
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Junior ISA - find a lost account?
Hello A number of years ago, my elderly mum opened a Junior ISA for my nephew and my brother does not know what bank this was with. My mum can’t remember either as she often gets confused between her bank accounts and there history - she changed bank as she was not happy with the service etc. So this has confused the…
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Moving money out of a Help to Buy ISA
Hello, I am a first time buyer with my partner and we are currently looking at houses with the aim of buying within the year. I have a maxed out Help to Buy ISA of over £12,000 with an interest rate of around 3.25%. We are buying outside of London (South East) and the houses in our budget are in the region if…
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Options with Virgin Cash ISA
Hi all, Just trying to get my thoughts in order and would be grateful for confirmation from others who know more than I do! I have a 2-year fixed rate ISA with Virgin (but it starts with an 08 sort code and does not appear in the Virgin Money App) which comes to maturity on about 24/03. Options I've been offered are to let…
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I want to open an ISA for the next tax year
But when i go to apply it says 2023/2024 tax year? I want to open one now and fund it in the new tax year, also how do i know what ISA allowance i have left this year?
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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.
