Just in case it isn't clear, you can either have a maxi ISA or mini ISAs (but not both) in any one year.
A maxi ISA is shares, with a £7K limit. If you do this, you cannot do a cash mini-ISA.
With mini-ISAs, you can do up to £3K in a mini cash ISA, up to £3K in a mini shares ISA, and up to £1K in an insurance ISA.
So you can do exactly what you want in mini ISAs. Just make sure when you open the shares mini ISA that you specify that it is a mini ISA you want, not maxi ISA.
Well, for another 10 months that is and then its all change (again) ::)
I think you IFAs have been bribing Gordon Brown to keep changing things. That way the rest of us can't figure out what is going on before things change -- so we need IFAs!
Although the bribe couldnt have been that good.
There’s a trick to extend them
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