Cash ISAs: The Best Currently Available List

eskbanker

2010 said:

dosh37 said:

466 pages of replies to this thread, going back as far as 2007. That's 15 years!

Most are now irrelevant.

Methinks it's time to purge.

The most interesting thing is (no pun), if you look back at the very first post, the rates are about what they are now.
So 15 years of crap rates and savers being kicked up the ar*e.

While the first post is regularly updated, as pointed out already, you can see on the other posts on page one, including some later the same day that the thread was started, that rates in 5-6% territory were available at the time, so things definitely aren't the same now as then!

grumiofoundation

dosh37 said:

2010 said:

dosh37 said:

466 pages of replies to this thread, going back as far as 2007. That's 15 years!

Most are now irrelevant.

Methinks it's time to purge.

The most interesting thing is (no pun), if you look back at the very first post, the rates are about what they are now.
So 15 years of crap rates and savers being kicked up the ar*e.

It took me a long time to realise that long term saving with institutions such as building societies etc. is a mugs game.

It's a bit like gambling in a casino. The odds are always stacked in favour of the house.

In the longer trem, savings rates always lag behind other investments - especially when taking into account inflation.

Instead of teaching things in schools that most of us never use in real life (e.g. differential equations) they should teach about the real world - how to survive and make money.

Just ask Rishi Sunak - now worth hurndreds of millions through hedge funds.

If you study differential equations you will at least be doing A-level maths and are therefore going to have the mathematical skills needed to access real-life mathematical problems (although doesn’t mean they will be utilised!). It is people leaving school without these basic numeracy skills that most need the advice you suggest. 

Should be clear though these topics* are now taught in schools.

*well not hedge funds! But budgeting, bills, compound interest etc 

10_66

It's been a while since I've subscribed to a new cash ISA so I'm a bit rusty of the do's and don'ts.  I have a flexible cash ISA that I've just opened which will have my previous years' transferred into it.  I wish to add to it, which will be part of this year's allowance.  I know at one time you had to keep all of the current year's cash ISA subscriptions in the same ISA, is this still the case, please?

masonic

10_66 said:

It's been a while since I've subscribed to a new cash ISA so I'm a bit rusty of the do's and don'ts.  I have a flexible cash ISA that I've just opened which will have my previous years' transferred into it.  I wish to add to it, which will be part of this year's allowance.  I know at one time you had to keep all of the current year's cash ISA subscriptions in the same ISA, is this still the case, please?

Yes, if you decide to add to your transferred ISA during this tax year, then it will be your only valid cash ISA for this tax year.

Stompa

Cynergy Bank Online ISA (issue 22) - 1.05%

Kazza242

Hello everyone.

The cash ISA variable and fixed rates on offer continues to climb following the recent changes to Bank of England base rate this year.

The first post has been updated. 

refluxer

Kazza242 said:

Hello everyone.

The cash ISA variable and fixed rates on offer continues to climb following the recent changes to Bank of England base rate this year.

The first post has been updated. 

Hi Kazza - the link to the first post doesn't work so would you mind fixing it when you get chance ?

I don't know about anyone else but when I'm looking at this thread on my phone, I don't get the option to select page 1 so I would have to browse back through 467 pages one at a time . PC browser is fine, so it may just be a phone screen resolution problem I guess.

Frogletina

I don't know about anyone else but when I'm looking at this thread on my phone, I don't get the option to select page 1 so I would have to browse back through 467 pages one at a time . PC browser is fine, so it may just be a phone screen resolution problem I guess.

I can go back to the first page on my phone if I look at it in landscape mode

Descrabled

I have page 1 on my bookmarks as well as savers friend to quickly scan for any changes to ISAs.

Skipton are really going for the ISA Market at the moment with top spot at 5, 3 and 2.5 years.

eskbanker

Page 1 is at https://forums.moneysavingexpert.com/discussion/401374/cash-isas-the-best-currently-available-list/p1 - it looks like Kazza's reference to the URL is enclosed in double quotes, preventing direct access....