Missed Out ......sigh

peggyKu

Ok so iv missed out at the end of the tax year to buy Isa's .....:( i wish i had not procrastinated on this but i have, now im feeling left out can anyone give me advice on what to buy into this new tax year and where to go. Thanks

whitewing

Can't you do somthing online now? I don't know if you can but it is still 5th.

peggyKu

:mad: I have tried so hard but i cant see anyway before midnight to invest. is cash investment

Ximian

How about: http://www.hl.co.uk/investment-services/vantage-cash-isa/open-a-cash-isa

End of tax year opening hours

• Sat and Sun: 9am - 7pm
• Mon - Wed: 8am - 9pm
• Thu: 8am - midnight

Not the best rates around but you should be able to open an ISA tonight

More Cash ISA information is available from here: http://www.moneysavingexpert.com/savings/best-cash-isa

pinkdalek

peggyKu wrote: »

Ok so iv missed out at the end of the tax year to buy Isa's .....:( i wish i had not procrastinated on this but i have, now im feeling left out can anyone give me advice on what to buy into this new tax year and where to go. Thanks

I never understand why people leave this to the last minute, you have a whole year to open an ISA, you can fund it as you go along, or with a lump sum. Depending on the ISA you are in generally you can transfer to other providers whenever you feel if they offer better deals. If anything leaving it until the last day means you have been earning taxable interest on any savings all year.

If anything there should be a rush to get it in on the 6th April.

jayship

peggyKu
Why not open one with HL before midnight today. U may be able to move to another provider later if u are not happy with their rate. I have not read the T&C.Plz check it out before proceeding.

bigfreddiel

pinkdalek wrote: »

I never understand why people leave this to the last minute, you have a whole year to open an ISA, you can fund it as you go along, or with a lump sum. Depending on the ISA you are in generally you can transfer to other providers whenever you feel if they offer better deals. If anything leaving it until the last day means you have been earning taxable interest on any savings all year.

If anything there should be a rush to get it in on the 6th April.

i can't understand this either - what exactly are people doing for the last 365/4 days?

perhaps peggyKu can tell us what the sticking point gas been?

i'm sure we could all benefit from this insight

Nine_Lives

Maybe peggyKu has only just become aware about savings?

For years i just put my money "in an ISA" as this is what people spoke of. If it's in an ISA then it's good right?
Wrong.

It took a reduction in hours at work for me to start researching savings etc & it was an eye opener.

So just because WE know, doesn't mean everyone does. There could be any amount of reasons.

david78

Welcome to MSE PeggyKu. As others have said you can still open a cash ISA tonight and then transfer to a better deal in a week or so's time.

rachelonna

But you have to put the money in today in order to be able to benefit from the ISA - unless the new bank takes faster payment, and that the bank PeggyKu banks from will do a transfer now, it may not even be an option?

Mickygg

bigfreddiel wrote: »

i can't understand this either - what exactly are people doing for the last 365/4 days?

perhaps peggyKu can tell us what the sticking point gas been?

i'm sure we could all benefit from this insight

Any number of reasons. Just got cash from a house, a relative, bonus from work etc etc. Not everyone has the luxury of having £5k under the mattress to wack into an ISA.