Cash ISAs: The Best Currently Available List

Kazza242

pbw wrote: »

i just opened an ING ISA today. what do you guys think of this ISA? i opened it with the view of having the guaranteed 6.55% for 6 months and then transferring out in 6 months with the hope of higher rates elsewhere with all these rate increases...

any opinions?

The ING ISA is ok, but as you've said, you will need to transfer out before the rate drops. Earning 6.55% for 6 months is a very good rate. You might want to iniate a transfer out around 2 weeks before the rate drops, as transfers can sometimes take a while.

Special_Saver2

This is an excellent thread. Why has it been un-stickied?

Kazza242

Special_Saver2 wrote: »

This is an excellent thread. Why has it been un-stickied?

I PM'd one of the savings and investments board guides about this last weekendm - and am awaiting a reply. As MSE Andrea has said that board guides have been told to sticky a maximum five threads on each board, I can't help wondering why my thread has been un-stickied? There are only three threads on the ISA's, Toisas, Peps and Tessas board.

It is a shame that MSE is taking this line. Members such as SpecialSaver2 and I, as well as other members have put in a great deal of time and effort creating and updating our posts/threads. Going by the number of times both threads have been read and the number of thank you's it is clear that both threads have been of great help to members of MSE. I imagine that members like me and SpecialSaver2 may be reluctant to create such threads in future especially since they won't be stickied and will inevitably fall down the board.

Jonbvn

Kazza242 wrote: »

I imagine that members like me and SpecialSaver2 may be reluctant to create such threads in future especially since they won't be stickied and will inevitably fall down the board.

Not if we continue to ^BUMP^ the thread!

Jonbvn

Kazza242 wrote: »

Yes, it is, because of it's rate guarantee. Though in April 2008 I'd recommend checking the NS&I rate, as the guarantee to pay BOE base rate + 0.55% expires April 5th 2008.

It will be interesting to see what NS&I do with the rate next year. Judging by the popularity of this ISA on MSE at least, if they do decide to drop their IR, there will be a mass exodus of money. I worry that NS&I may not be able to cope!

Who?_What?_Where?

Kazza242 wrote: »

As MSE Andrea has said that board guides have been told to sticky a maximum five threads on each board, I can't help wondering why my thread has been un-stickied? There are only three threads on the ISA's, Toisas, Peps and Tessas board.

Especially seeing as this thread has more views than any of them (not to say they're not good, just in defense of this thread).

Paul_Herring

Kazza242 wrote: »

As MSE Andrea has said that board guides have been told to sticky a maximum five threads on each board, I can't help wondering why my thread has been un-stickied?

Well this limit isn't being enforced on some of the other boards. Pensions has 8 stickied, Credit Cards has 13, for example.

That said, '5' does seem a tad arbitrary.

Kazza242

Jonbvn wrote: »

Not if we continue to ^BUMP^ the thread!

Thanks.:D

Jonbvn wrote:

It will be interesting to see what NS&I do with the rate next year. Judging by the popularity of this ISA on MSE at least, if they do decide to drop their IR, there will be a mass exodus of money. I worry that NS&I may not be able to cope!

Agreed. It will be interesting to see what they do. It would be foolish of NS&I to not replace the base rate + guarantee with a new competitive guarantee. M&S Money (HSBC) reduced their rate guarantee a couple of years ago and lost a lot of ISA money to other providers.

Who?_What_Where? wrote:

Kazza242 wrote:

As MSE Andrea has said that board guides have been told to sticky a maximum five threads on each board, I can't help wondering why my thread has been un-stickied? There are only three threads on the ISA's, Toisas, Peps and Tessas board.

Especially seeing as this thread has more views than any of them (not to say they're not good, just in defense of this thread).

Yes, I also noticed that. I'm also still receiving PM's each week from people who've read the thread and have a couple of further questions.

Paul_Herring wrote:

Well this limit isn't being enforced on some of the other boards. Pensions has 8 stickied, Credit Cards has 13, for example.

That said, '5' does seem a tad arbitrary.

You're right. Some of the other boards do have more stickies - so the limit doesn't seem to be consistent at all.

QuidProQuo

This is one of the most useful threads on the forums, we'll just have to keep bumping it won't we...:D

mleonard79

Hi Everyone,

Any sign of Abbey upping their rate after the BOE increase? I can see Kent Reliance have done so swiftly though so :T to them.

Regards

Michelle

P.S. Just to add to the chorus this thread should DEFINITELY be re-stickied!