ISA options to use allowance

Catplan

So far this tax year I’ve put 12500 into a fixed rate cash isa, funding window now closed as product withdrawn, leaving me with 7,500.

option 1 - take the hit on interest and transfer to another ISA then top up with 7,500.
option 2 - is this possible; open S&S isa, but leave as cash? Then transfer to cash isa next tax year?

Option 3 - S&S ISA, invest it leave running as S&S ISA….
option 4 - add the 7500 to pension. This would mean not using ISA allowance but will earn more straight off the bat so I’m considering it.

have I missed anything? I’d have prefer the 20k to be in a cash isa, hence wondering if I can open a S&S ISA but leave it as cash? 

eskbanker

All of those options, including 2, are valid....

Albermarle

Option 5 
IF the current cash ISA provider is one that offers 'Portfolio ISA's' it means you can add new money to more than one cash ISA each tax year, as long as all the ISA's are with that provider. 

Ask Anna: What is meant by "This is a portfolio ISA" | Find the best rate. Keep the best rate (savingschampion.co.uk)

Catplan

Albermarle said:

Option 5 
IF the current cash ISA provider is one that offers 'Portfolio ISA's' it means you can add new money to more than one cash ISA each tax year, as long as all the ISA's are with that provider. 

Ask Anna: What is meant by "This is a portfolio ISA" | Find the best rate. Keep the best rate (savingschampion.co.uk)

Santander so I don’t think it’s possible