An ISA is a financial product available to residents in the United Kingdom. It is designed for the purpose of investment and savings with a favourable tax status.

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Any sane way to invest in both funds and stocks with UK ISA?

I wish to invest in both stocks and funds within an ISA. However the fund supermarkets all seem to charge an annual fee even on stocks. Yet there are stock trading isa accounts that have no fee. So I ...
4
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1answer
28 views

UK ISA - Can Only contribute to 1 provider a year?

HMRC has a rule that you can only pay into one stocks and shares isa in any given year. But what if I transfer this years part funded ISA to another provider. Can I continue to pay into the new ...
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1answer
56 views

Student Loan versus Cash ISA

I have taken out a UK student loan several years back whilst studying, it was interest free at the time, but now a low interest of 1.5% APR has kicked in. I have scraped together enough to pay this ...
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1answer
64 views

Are UK cash ISA's cumulative?

I have opened a Cash ISA recently and I don't seem to understand how they calculate the ISA earnings. So as an example, suppose I have a cash ISA maxed out at £5,940 (I know this is going up in July ...
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2answers
55 views

ISA - intra year profits and switching process

I would like to open an ISA account to invest in funds and I see that the maximum allowance is increasing to 15,000 GBP in few months. My understanding is that all incomes generated in the ISA are ...
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2answers
129 views

ISA trading account options for US citizens living in the UK

I am looking for an ISA trading account that can be opened by US citizens that are UK residents. There seems to be a general trend towards brokers in the EU not wanting to do business with US ...
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2answers
123 views

UK: ISA or regular savings account?

I am not a very savvy investor, am new to ISAs and was wondering: where would be the best place to put £10,000 right now (March 2014)? ISAs have tax benefits, but in general don't seem to beat ...
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1answer
79 views

(United Kingdom) Multiple Stock ISAs?

I have a simple question that I couldn't find the answer to elsewhere: If you hold a stock ISA and reach the FSA protection limit (£50k/individual) in invested monies, is it then okay to (next tax ...
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1answer
112 views

Can I short a stock in UK using a shares ISA?

If not please advise on other straight forward method (hoping I don't have to open a complicated account for this). Thanks
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2answers
66 views

Is an in-kind transfer of existing shares into a Stocks and Shares ISA allowed, i.e. without selling + repurchasing?

Normally, the way to fund a Stocks and Shares ISA is to transfer money in, taking care to stay below the annual limit, and then purchase the stocks or funds from within the ISA. What happens, though, ...
2
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1answer
876 views

Return of value to shareholders in an ISA

Note I am situated in the UK. I hold a number of Vodafone of shares in a stocks and shares ISA. My broker has issued the following message to me: Vodafone has confirmed plans to sell its stake in ...
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1answer
398 views

Should I move my UK ISA balance into an Australian savings account prior to emigrating?

I have around £6000 in a Santander UK easy ISA, the interest rate on this is 0.10% as listed here I'm planning to emigrate to Australian in the next year, so will be setting up a bank account soon. ...
3
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1answer
84 views

Can I open two cash ISAs in one year, or for new savings and one for transfer?

This is slightly different to my earlier ISA question, and relates to the current market conditions where best-buy ISAs often have 1 year bonuses, and may not accept transfers in. Consider the ...
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1answer
95 views

Are you allowed to start paying into an ISA, transfer, and then pay into the new one?

As I understand it, you are only allowed to pay into a single Cash ISA in a given tax year. What I'm wondering is how that fits with transfers part way through the year? For example, if I open a new ...
4
votes
1answer
50 views

What is the market rate of non-cash ISA fund administration fee in UK?

A friend of mine suggested a plan that takes a 1% administration fee (from the assets deposited) regardless of the type of investment you make (stock, bond etc.). This sounded quite high from my ...
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1answer
80 views

Cashing in a Self Selected Stocks & Shares ISA

If I wanted to cash in my ISA today, what taxes would I have to pay and what percentages would they be? I think that if the value of the ISA is about £10,600, only then would I have to pay capital ...
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1answer
55 views

UK Stocks & Shares ISA - Annual maintenance charge

I've been thinking about starting a UK Stocks & Shares based ISA. I am planning on using my Banking company to start the ISA with. I understand that they have a 2% annual maintenance charge for ...
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3answers
2k views

What happens if I make an unintentional over payment into a UK Cash ISA?

I have a UK cash ISA, but have lost track of whether I have transferred all the money that I am allowed to for this tax year. What happens if I try to top up a cash ISA, when I have already used my ...
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1answer
117 views

Stocks and Shares ISA: What are the options for “near cash equivalents”?

What are the options in terms of 'near cash equivalents' that you can hold in a stocks and shares ISA?
3
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1answer
114 views

What are the tax implications of liquidizing an ISA holding? (UK)

In other words, what, if anything, stops honest taxpayers from filling up all of their stock&shares, and money ISAs, removing it from being a tax liability, then liquidizing it immediately?
5
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1answer
661 views

Starting an investment portfolio

I am looking to start an investment portfolio with around £1000 of my savings going into the stock market and was wondering how I would go about doing this. I would like to spread this money across a ...
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3answers
2k views

UK ISA status after moving to USA: Would the IRS charge tax on my ISA?

If I were to move from the UK to the USA and leave my tax-free savings accounts (ISA's) open in the UK, with the intention to returning to the UK after 2 years, what would the status of said ISA's be ...
4
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1answer
2k views

US ISA equivalent for tax exempt investment & savings

In the UK you can put up to £11,520 per year into an Individual Savings Account (ISA). This account allows you to invest in stock, unit trusts, index funds etc. and all income and capital gains are ...
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1answer
141 views

Can you consolidate ISAs from multiple places?

I have an ISA with company A, and company B, because they offered good rates at the times I opened the ISAs. I know it's possible to transfer an ISA, but can you transfer ISAs from multiple different ...
5
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1answer
238 views

How much tax can you save in a UK ISA?

How much tax can you save if you invest £5100 in a UK ISA?
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1answer
137 views

Year end for ISAs, is it worth squeezing more in quickly?

I opened an ISA about a month back (only have £110 in it at the moment) Tax year ends on 5th April, I could afford to put £1000 in my ISA, I would be skint until the next payday at the end of April ...
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4answers
422 views

How can I find a list of self-select stocks & shares ISA providers?

I am looking for a ISA provider where I can invest in the UK and the US stock market, has anyone got a list with charges and links. (ISA are only of interest to people that live in the UK)