Do good isas exists anymore

Albermarle

sultan123 said:

400ixl said:

jimjames said:

sultan123 said:

Are there any good isas now?

Yes they're called S&S ISAs

Just a statement like that on its own is potentially very dangerous, please put context around it.

Stocks and Shares ISA's have an entirely different risk profile to a cash ISA, you are putting your capital at risk where as with a cash ISA the capital is not at risk. It would really depend on what the OP's ambition is for the money they are investing and for how long they are looking to keep it invested.

If this money is not something that can be invested for a longer period, preferably 10 years+ then a S&S ISA may not be something to consider at all.

Depending on whether the OP is a higher tax payer or has a substantial amount saved and would trigger the interest tax limit then it may be worth looking outside of the ISA market.

Do not want stocks and shares. Want somethinf that will earn me better interest than bank savings

Anything that pays better interest than savings accounts, will come with an element of risk. That is a fact that can not be avoided.
Probably you will be better just making sure your savings are in the best paying accounts ( not the Post Office) 

canaldumidi

sultan123 said:

400ixl said:

jimjames said:

sultan123 said:

Are there any good isas now?

Yes they're called S&S ISAs

Just a statement like that on its own is potentially very dangerous, please put context around it.

Stocks and Shares ISA's have an entirely different risk profile to a cash ISA, you are putting your capital at risk where as with a cash ISA the capital is not at risk. It would really depend on what the OP's ambition is for the money they are investing and for how long they are looking to keep it invested.

If this money is not something that can be invested for a longer period, preferably 10 years+ then a S&S ISA may not be something to consider at all.

Depending on whether the OP is a higher tax payer or has a substantial amount saved and would trigger the interest tax limit then it may be worth looking outside of the ISA market.

Do not want stocks and shares. Want somethinf that will earn me better interest than bank savings

sultan123 said:

400ixl said:

jimjames said:

sultan123 said:

Are there any good isas now?

Yes they're called S&S ISAs

Just a statement like that on its own is potentially very dangerous, please put context around it.

Stocks and Shares ISA's have an entirely different risk profile to a cash ISA, you are putting your capital at risk where as with a cash ISA the capital is not at risk. It would really depend on what the OP's ambition is for the money they are investing and for how long they are looking to keep it invested.

If this money is not something that can be invested for a longer period, preferably 10 years+ then a S&S ISA may not be something to consider at all.

Depending on whether the OP is a higher tax payer or has a substantial amount saved and would trigger the interest tax limit then it may be worth looking outside of the ISA market.

Do not want stocks and shares. Want somethinf that will earn me better interest than bank savings

Bitcoin?

But seriously, either you want security for your capital which = bank savings, or you want potential for growth  ie S&S but with the associated risk......

Expotter

Maybe the new issue from Paragon Bank is closer to what you're looking for. Rate is 1.2% with up to 3 withdrawals per year, interest paid monthly or yearly, £1-500K, allows transfers. 
Good plain old fashion cash ISA, rate not too far off best easy access.

sultan123

Expotter said:

Maybe the new issue from Paragon Bank is closer to what you're looking for. Rate is 1.2% with up to 3 withdrawals per year, interest paid monthly or yearly, £1-500K, allows transfers. 
Good plain old fashion cash ISA, rate not too far off best easy access.

Don't think paragon bank was listed in martin lewis article?

Expotter

sultan123 said:

Expotter said:

Maybe the new issue from Paragon Bank is closer to what you're looking for. Rate is 1.2% with up to 3 withdrawals per year, interest paid monthly or yearly, £1-500K, allows transfers. 
Good plain old fashion cash ISA, rate not too far off best easy access.

Don't think paragon bank was listed in martin lewis article?

Well, sorry for trying to help, but judging by the fact that you still hold accounts with the Post Office, one can only assume that either you're not looking at best buy tables or taking no notice of them. Like other commenters have pointed out, unless you're willing to take some risk, you can't get anything better than what's actually out there. Take it or leave it, it's up to you, but please don't kill the messenger, politeness costs very little.