Thank you! I am at the start of the journey and this is 100% what I needed.

Good man for being upfront with your associations 👌 you have developed your channel considerably. It’s wonderful to watch how it has grown.

I use plum for most of my investing. Including s&s isa. Interest accounts and bonds account

I was going to ask for this video! I never saw it coming 👍🏼👍🏼👍🏼

@SashaYanshin

6 ай бұрын

Hope you find it useful!

Good one Sasha.... love your approach. Keep 'em coming. Cheers :)

@SashaYanshin

6 ай бұрын

👍

Great timing and thanks for this video as I'm just starting to move my (underwhelming and actively managed - doh) investments over to join my existing Vanguard funds. I am not clever, and I am not going to beat everyone else with some complex strategy that's been pulled out of my arse (or anyone else's for that matter!) - That's what I learned from this channel! :)

@SashaYanshin

6 ай бұрын

Glad that you’re finding the channel helpful! Thanks for the support and good lick with the transfer. I have a funny feeling you will be breathing a sigh of relief when it’s done. 👍

was very helpful Thank you

thanks Sasha 🙏extremely helpful

@SashaYanshin

6 ай бұрын

👍

Thank you! Super informative! :)

@SashaYanshin

6 ай бұрын

🙏

Perfect timing! Been looking for a specifc ISA and which provider to use! Thank you :)

@SashaYanshin

6 ай бұрын

Well there you go!

Note that you can also transfer ISAs to other companies. So, if you make a mistake, you are not stuck forever with an expensive company. Usually the transfer requires that you've sold the shares already. Some companies also allow you to borrow from your £20k temporarily as if it's a cash savings-account, and you can return that money before the end of the financial year.

@joannalis-kumar4627

5 ай бұрын

So if someone makes a mistake like this, should they make a transfer or they can sell the shares and can withdraw money to their bank account and then deposit into the desired one? Is there any penalty for not doing it the right way, and what even is the right way?

@squeaky_honda

5 ай бұрын

@@joannalis-kumar4627 Sell all the shares inside the old ISA, you'll now have £20k cash in the old ISA. Then start the process of transferring that ISA to another company. Absolutely do not withdraw from the old ISA, it will complicate things. If the old ISA was created in this financial-year, it might be fine. But if the ISA was created a long time ago, you now have a dud with a new max-£1 ISA instead of a max-£20k ISA.

Excellent points Sasha. Now that the Q4 results of Tesla is out, we are eager to hear your thoughts on the data.

This is brilliant info. Thank you

@SashaYanshin

6 ай бұрын

There you go!

Great video Sasha. Thanks!

@SashaYanshin

6 ай бұрын

Thanks for watching!

Great video Sasha, all the best man!

@SashaYanshin

6 ай бұрын

Thank you!!

There's more to it than just these fees. There's also the bid offer spread you are offered when purchasing and selling. One platform may be free to trade whilst another may incur a charge, but that doesn't mean the price you pay for the ETF or stock is the same on both platforms. It's possible that free trading costs may be recouped by a larger bid offer spread on the platform. Traditionally, the bigger the broker, the narrower the bid offer spread.

@ironsoul2633

6 ай бұрын

Exactly. Well said

@jam99

6 ай бұрын

There is also the question of how competent the platform is and how easy is it to talk to someone to get it sorted? IB would be bottom of the list there. Besides, Sasha hasn't looked at fees fully e.g. regular investing and capped custody charge.

@thegoolian1010

5 ай бұрын

@@jam99Out of Trading 212 and Vanguard which one of these platforms has the cheaper regular investments charges? Say for example £200/month put into stocks and shares isa and invested into 1-2 index funds. And is there a simple way of explaining how to work this out please, just trying to wrap my head around it all before I make the choice. Thanks!

@fredatlas4396

3 ай бұрын

How would bigger bid, offer spreads benefit the platforn. You can purchase Vanguard etfs on their own platform without dealing costs, just not in real time. The same applies to investengine, no dealing costs but you can't buy in real time, but deals go thru just like when buying, selling normal funds.

@SashaYanshin Another very well explanatory piece of information, well done kind sir! Q: Can you transfer your existing shares from IB into IB S&S ISA without selling them?

Just to add. From April 2024 I believe there might be a change where you are allowed to pay into more than 1 stocks & shares ISA in a tax year.

@SashaYanshin

6 ай бұрын

Let's hope!

@beancount811

6 ай бұрын

Yes, let's hope this sticks. This is the most obvious ISA change that's been long overdue. If implemented, it'll really start driving competition up, and fees down.

@scottysrunningworld

6 ай бұрын

This is correct

@shadowthi3f421

6 ай бұрын

Yes indeed, looking forward to this.

@gavjlewis

6 ай бұрын

Hopefully there will be some good offers come April like extra cash or free shares so can use an ISA for fun money.

I am waiting for April 2024 to open a new DIY stocks and shares ISA just for Dividend Growth investments. My current stocks and shares is managed through a robo advisor since 2017. Right now I am focus on research to find 20 - 25 companies trading in the UK.

Thanks so much. I am starting my investment journey very late in life and find it all so confusing. Thanks for shedding some light on this subject. 💲🥂👏🏻

I would be very interested to see a video of what happens if a broker goes bankrupt. Everyone knows that we are covered up to 85k but what happens to the rest of the money in an ISA and what happens to the money in a GIA and what difference does it make between holding stocks vs having cash in that account when over the 85k limit. Good videos as usual :)

@sethanith3181

6 ай бұрын

And also what happens to the fund? I.e. if Vanguard went bust…

@claonaite

6 ай бұрын

I had this happen to me and the part no one mentions is the time it takes to sort out. It took about a year to get access to my shares again, and the FCA moved them to a broker who was so incompetent that accessing them probably took the same again. I have no idea how much money I might have lost not being able to sell during that. I'm happy to pay high HL fees now to avoid that kind of hassle again

@Anon-nv7bp

6 ай бұрын

@@claonaite which broker?

@britainsfirstcoins

6 ай бұрын

@@Anon-nv7bp SVS Securities. I got notified on the 24/Aug/2019 that they had gone into special administration, and my funds were transferred to ITI Captial on the 13/July/2020. I had lots of problems with them getting an account set up and being able to do anything with it, and these were never resolved. In July 2022 they decided to exit the UK so I transferred to HL, and that took until October 2022 to sort out. HL were fantastic, but ITI were incompetent. I think they really overreached themself when they took on the SVS business, and they just couldn't cope. I'm done with "cheap" brokers. They are cheap for a reason. If I had needed that money at any point between Aug 2019 and Oct 2022, or if I wanted to sell any shares, I couldn't have.

Great video, thank you Sasha! Just wanted to ask, what are your thoughts on Stocks and Shares LISAs? Specifically with regards to any advice which provider to go to or how to decide? and Using S&S LISA vs Cash LISA? Thanks :)

Another good video from Sasha, would you do a similar video for a SIPP😊

@SashaYanshin

6 ай бұрын

Unfortunately there really aren't any good options available for SIPP which is incredibly frustrating. I'm hoping this changes in the next year.

thanks Sasha

What an honest man ❤

very good ,informative, and straight to the point video.

@SashaYanshin

6 ай бұрын

🙏 Thank you!

@rfxtuber

6 ай бұрын

@@SashaYanshin Got my attention too sasha... very very good...

Brill! Awaiting for this clear explanation. +1 Sub👍🏼

@SashaYanshin

6 ай бұрын

There you go!

I dont live in uk but i love his videos... Informative and funny 👍

@SashaYanshin

6 ай бұрын

This one in particular must have been pretty dull if you're not based in the UK! :))))

Trading212 wins but will invest on IB too eventually

Thank you Sasha! Very informative! Very happy to use your link as well as I like very much your transparency comparing with some other guys out there, so very glad came across this channel. Ps. Q: Can I open new ISA acc for New year with new provider or do I have to move money from existing provider to New? Thanks a lot!

@SashaYanshin

6 ай бұрын

Thanks for watching an the kind words! You can open a new ISA from 6 April (new financial year) and you can choose what to do with your old one. You are allowed to keep it and buy/sell/reinvest the money already in there. But if you open a new one and start paying into that, you just can't add any more money to the old one. You can also choose to move it across if you wish - that's really up to you!

So weird I was doing research on this. Lo and behold!

@SashaYanshin

6 ай бұрын

Well there you go!

@Akashmash

6 ай бұрын

@@SashaYanshin thanks for the information as always!

Thanks Sasha I didnt know we can still buy and sell stocks from other isa ! even if we dont contribute to it within Tax year good info

Thanks Sasha. Could please do 2 further videos, one for best LISA providers and one for best SIPP providers?

@paulevans2246

6 ай бұрын

Yes please

Hi Sasha, Many thanks for all your good and useful information. It would be good to present a video that compares BTL investment against a stock and shares ISA

@SashaYanshin

6 ай бұрын

Thanks! Not sure how to really compare these - very different beasts, entirely different asset classes with different pros and cons.

Sasha has made a good video!

@SashaYanshin

6 ай бұрын

Thank you!

Thanks Sasha great content as always! can I transfer my ISA in Freetrade to Interactive? just will be easier for me to manage everything in one place.

@SashaYanshin

6 ай бұрын

You can, but you don't have to. You can keep the old one running if you don't want to move it. If you do move, it can take a little bit of time and Freetrade will charge you fees (think it's £17 per position for US stocks), but might be cheaper than paying the monthly fees.

Sasha huge fan of your work mate and really thankful for all the hard work you put in to your videos, can you please give me your honest opinion on NIO stock the Chinese ev Kind regards

@SashaYanshin

6 ай бұрын

Not gonna go into any depth, but I frankly never understood why that stock was so popular with retail investors.

Great video, thank you! I'm curious, if I were to relocate indefinitely to another country, would I still be able to keep my ISA account open and allow my investments to grow tax-free? Perhaps not making further deposits, but simply leaving the funds already invested to be withdrawn at a later time.

Hey thanks for the vid, I just used your sign up link for 212. Is there a minimum to deposit to qualify for the free share? And also is it a case of the more someone deposits the better / higher the free share value would be?

Great video! Thanks you. If we open stock ISA with suppose interactive investor with 20, 000 this financial year can we invest another 20,000 next year which will be tax free? Or do we have to open a new account?

I have made a lot of money during the last 6 years, mostly with tech stocks. This year alone i've made over $250k in profits from the first 2 quarters 2024. The lesson I've learned is to focus on what I believe to be good investments and to do completely the opposite of what the noise is saying. I'm 100% invested long.

@Peterl4290

15 сағат бұрын

There are many other interesting stocks in many industries that you might follow. You don't have to act on every forecast, so I'll suggest that you work with a financial advisor who can help you choose the best times to purchase and sell the shares or ETFs you want to acquire.

@larrypaul-cw9nk

15 сағат бұрын

A lot of folks have been going on about the bull rally and said stocks that would be experiencing significant growth, any idea which stocks this may be? I just sold my home in the Boca Grande area and I'm looking to remunerate a lump sum into the stock market before stocks rebound, is this a good time to buy or no?

@sabastinenoah

15 сағат бұрын

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

@larrypaul-cw9nk

15 сағат бұрын

Her name is “Annette Christine Conte” can't divulge much. Most likely, the internet should have her basic info, you can research if you like

@sabastinenoah

15 сағат бұрын

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

Sasha, great info. I wonder if you tell us if any of theses offer the "flexi" ISA feature or ISA flexibility, whatever it is called. Rgds

@adrianl5899

6 ай бұрын

Vanguard is flexible, according to their website. This should be answerable on their websites or by customer service.

Thanks for the video. If we use an ISA account, do we need to send any info or reports (monthly/yearly) to HMRC or other government institutions?

@SashaYanshin

6 ай бұрын

No, you do not.

Sasha is one of the few people on youtube with integrity.

@SashaYanshin

6 ай бұрын

Thank you so much - doing my best!

Hi Sasha, great video as always. If you transfer to a different ISA provider mid way through the year, can you still only pay into the 1 (original) ISA? Cheers!

@SashaYanshin

6 ай бұрын

Good question! You can transfer mid year but the rules are you have to transfer everything you invested in that year across. With stocks it can be complex if you have prior years and you don’t want to transfer those. Many brokers will ask if you already paid into the same type of ISA when you sign up and not let you open an account if you did - presumably don’t want to deal with the process.

Fantastic video. Can you make the same video for junior ISAs please. Maybe one for junior SIPP please

Can you do a video on the best stocks and shares LISA?

I use Barclays, but thinking of bouncing over to 212.

@SashaYanshin

6 ай бұрын

Barclays is very expensive with the monthly fees AND trade fees AND a 1% FX fee. This is insanely high compared to the leading options.

@user-gz2os8mi9h

5 ай бұрын

@@SashaYanshin Huge fan, been watching your videos for a while. Never had ISA or Pension due to ignorance. Even when I had a Limited Company, The Chartered accountants never advised me to purchase ISA or even SIPP so I missed out a lot and even paid a large amount of taxes over the years until I stopped. Now with ten years to State Pension Age, Is it worth it to purchase Stock and Shares ISA, Vanguard S & P 500 with the Hereditary factor in place so can be passed on? I joined a DB pension scheme through the workplace a few years ago but only have a four thousand pounds per year pension guaranteed for life so far. I will have the full 35 years of NI contributions by State Pension Age. My DB pension dies with me but can purchase additional pension contributions in multiples of 250s up to close to 8000 to boost my pension contributions and the employer also tops up. This will cost around £125k but without dependant cover. Trying to find a balance so I do not overpay into the additional pension contribution purchase which I intend to pay in installments for ten years. But there is no hereditary factor so if I die, the rest of the pension goes to the Employer. Since no spouse or partner, the death lump sum benefit is not applicable in my case. Nobody knows one's life expectancy. The mortgage is fully paid but would like to have an asset that I can pass on to my children who have £200k Student Finance Loans. I wonder if it is worthwhile investing in the Vanguard S&P 500 and leaving it there for at least ten years? Are there alternatives or better options for this dilemma?

Great video, you are one of the top 5 finance youtube guys, keep up the great work

@SashaYanshin

6 ай бұрын

Really appreciate the flattering comment!

@connordarnbrough6284

6 ай бұрын

I agree, but i'm curious as to who else you think is top 5? i really like Damien talks money and Toby Newbatt...

@barnoluk9272

6 ай бұрын

@@connordarnbrough6284totally agree on all 3. I like Sasha much much more since the clickbait title days. He’s incredibly credible and always on the money but I ignored his vids for a long time because of that

@gavjlewis

6 ай бұрын

@@connordarnbrough6284 Ramin (Pensioncraft) if you want to learn how stuff works. Pete (Meaningful Money) for people who need a more basic understanding.

I personally use Vanguard ISA to buy ETFs every year. The reason I prefer to pay the vanguard fee and not use a free platform like t212 is because I know Vanguard will still be here in 20 years when I retire, I am not sure about the other platforms. It’s a fee I pay for the peace of mind, I guess

@gf5050

6 ай бұрын

Ibrk is bigger than vanguard and massively cheaper. U overspending for similar safety

@ironsoul2633

6 ай бұрын

@@gf5050 what is ibrk?

@ironsoul2633

6 ай бұрын

@@gf5050 vanguard is way bigger than ibrk, just look at the assets…. It’s not even the same world

Thanks for this. It would be good for you to briefly cover the process of swapping ISA providers.. is it simple? do you have to liquidate your entire portfolio if swapping from HL to T212 for example or if all same holdings offered by T212 can you just swap the portfolio and holdings over directly?

@adrianl5899

6 ай бұрын

T212 do not offer in-specie transfers in, only offer cash transfers in. So you would have to sell, incur any costs and be out of the market.

Great video Sasha, So many comments (sorry in case my questions are already answered, hard to keep track on all comments) 1. Any comments on Monzo ISA? I just happen to open that within week (wish should have waited) 2. Do we have to keep 20k or less throughout financial year so we can be exempted from taxes? Is it locked in a way (I guess not and you can still withdraw anytime) 3. Further on above point, e.g say you have 5k in ISA and you withdraw all after 3 months, (then whatever gains you may have made sure that’s tax free). Basically within financial year at some point you had 5k in ISA, does that count for HMRC self assessment filing and get leverage on taxes? (Or) you don’t get rebate because ideally you withdrew all in a given year?

@adrianl5899

6 ай бұрын

1.So long as your Monzo ISA is a cash ISA, it doesn't stop you paying into a Stocks and Shares ISA before the new tax year in April (subject to the overall condition of staying within the £20k ISA deposit allowance). 2. You can put £20k into ISAs in each tax year, all of which, while in the ISA, is exempt from tax (unless you die and there's tax on your estate -unlike pensions, ISAs are counted towards your estate). There's no ultimate limit on how large ISAs can grow. You can be an ISA millionaire, so certainly don't have to be under £20k. 3. Firstly, if investing, you should think long term (5 years+) and not about withdrawing in the short term. When i fill my self-assessment as a self-employed person, it's not relevant what I had in my ISA (there's no tax due). However, if you withdraw from an ISA and then go on to make gains/income which needs to be declared, then that's different. But you still have some (small) allowances for CGT and dividend tax outside of ISAs anyway. I've tried to answer, but I appreciate I may be missing what you mean because I didn't particularly understand the final 2 questions you were asking.

Great video. Thanks a million, but you said "...if you want to invest in UK stocks or European stocks, because I know there are going to be some people who like self inflicting pain..." You HAVE TO explain what you mean by that - please?

I've been watching your channel quite some time. You helped me when I made my first investment, when everyone was talking about a market crash. Im up 10% in just 6 months, TNX for great content.

@SashaYanshin

6 ай бұрын

Congrats!

Could you do a video on the best LISA of 2024?

Thanks Sasha always good to hear your thoughts. No love for freetrade from anyone these days it seems. Feel like im being left behind having not switched away yet.

@SashaYanshin

6 ай бұрын

They are super expensive and the platform just seems to be getting worse - nowhere near the best products available today unfortunately.

@InfectedByEli

6 ай бұрын

I dumped most of my Freetrade investments when they started hiding good stocks behind a paywall while claiming their mission was to spread investing to the masses. Apparently, adding cash barriers helps, somehow.

Hi Sasha - new subscriber (and total newb) here, wondered - is it too late or or even too early (March 2024) to open a Stocks and Shares ISA with the tax year starting next month? Wondered what your thoughts were

Not sure if any of the other brokers offer it, but the interest that 212 pays on uninvested funds is nice too

@westmime1083

6 ай бұрын

IBKR gives 4.83% atm

@InfectedByEli

6 ай бұрын

Lightyear pays interest on uninvested funds.

@user-cb8ip8fq8e

6 ай бұрын

@@InfectedByEli My guess is they've all started paying interest on cash holdings. II started about a year ago (actually November '22 ).

@kanefisher2913

5 ай бұрын

Trading 212 is 5%

As I think they go hand in hand, what about a similar video for SIPPs ?

HL is actually extremely cheap if you have a large portfolio and invest monthly into ETFs and shares. It’s max £3 or so and service is best is class.

@Cmoney203

6 ай бұрын

Facts !

@SashaYanshin

6 ай бұрын

Sorry what? 1% FX fee if you're buying non-UK stocks. PLUS annual management fees, plus share dealing. If you're happy with it, great. But it's definitely not competitive in terms of the product.

I’m completely new to this so forgive me for the daft question but what is the best stocks and shares isa for dividends ?

I accidentally deposited a small amount

Thx for your video. Would you need to open a new isa with a different company when your current one reaches 85k as it wouldn’t then be protected? Thx!

@SashaYanshin

6 ай бұрын

That's for you to decide. The limit is on the guarantee only. It doesn't mean that you won't get any money/stocks back above the limit and in practice, unless there is gross misconduct (management steals your assets), they should be relatively easy to recover above the limit too. But at the end of the day, you need to decide for your peace of mind how you want to manage that risk.

Out of Trading 212 and Vanguard which one of these platforms has the cheaper regular investments charges? Say for example £200/month put into stocks and shares isa and invested into a few index funds/ETFs. Which will incur the most charges? And is there a simple way of explaining how to work this out please just trying to wrap my head around it all. Thanks!

Please correct me if I’m wrong, but I was under the impression that with hl you can buy a selection of etfs via monthly direct debit and avoid any transaction fees. In addition, if your portfolio is 100% etfs the 0.45% platform fee is capped at £45 per year.

@SpencerPearson

6 ай бұрын

Exactly what attracted me to them in the first place. It's much cheaper in this one scenario which is what 99% of investors should be doing. Only have to watch out you pick the correct one as HL heavily promote more expensive etf tracker funds through regular investing (E.g. UBS S&P funds) but don't tell you they don't cap the charge on them so it reverts back to 0.45%

@rfxtuber

6 ай бұрын

@@SpencerPearson Both of you don't mention who your talking about! 😆

@SpencerPearson

6 ай бұрын

@@rfxtuber sorry, we were abbreviating Hargreaves Lansdowne to HL. :)

@rfxtuber

6 ай бұрын

@@SpencerPearson Not in this thread you wasn't no abbreviation mentioned?... lol, read both of your posts again...

@girendrasadera4547

6 ай бұрын

You avoid transaction fees of £12 with HL even if you don’t have a direct debit and are buying index funds.

Hi, great videos!! Can I check if we click on the link for the trading 212, you will be eligible for up to £100 for a share and the 1% cashback before the end of the 2023/24 tax year?

Hi Sasha, Is a SIPP comparison video a possibility?

Thanks for your video. I’ve just put 10k into an RBS isa for two years, also just started a SIPP with vanguard. I’d like to put say £20 a month into a stocks and shares isa over five years, can I ask your thoughts if you were in my position what would you do? Thanks.

What about flexale ISAs. I have mine with EQi and you can withdraw then reinvest your funds up to £20k in the same tax year

WIth the amazing reasurance from you, I was able to be up 6% in about 4 months of being on the trading market. I would like to thank you for the content that you put out, couldn't be more happier finding your channel mid 2023 (which is late, but better late than never)! Let's see how 2024 will treat us all!

Hey Sasha, great video. Interactive Brokers is by far my preferred choice of broker. Love the app and the desktop platform and the selections of stocks and etf's is vast. Only thing that concerns me is the £3 per trade on UK stocks as I want UK dividend stocks in my portfolio. Is it really £3 per trade and do you know does it apply to ETF's purchased through London Stock Exchange as well?

Can i open for example: a Virgin Cash ISA and a Vanguard stock and Shares ISA in the same financial year and spread 20k between them. Thank you . I'm literally learning day by the day off this channel. Great source of financial education.

@adrianl5899

6 ай бұрын

Yes, you can. You are just not allowed to pay into multiple ISAs of the same type in a tax year, such as 2 S&S ISAs.

@michaeltaylor5682

6 ай бұрын

You are actually going to be allowed to invest into multiple stocks & shares isa’s in the same tax year up to the 20k limit.

DOn't think this relates but i hit a like and comment anyways, thanks Sasha

@SashaYanshin

6 ай бұрын

Thanks for helping with the algorithm! :)))

Great video as always! What’s your current opinion on Moneybox? I currently use for both S&S and personal pension but wondering if I should move ISA to another provider?

@SashaYanshin

6 ай бұрын

Staying or moving is really up to you. Moneybox is pretty expensive though and have a limited offering. 0.45% FX is already very pricey, but there's the 0.45% platform fee on top as well as the £1 per month - it all adds up.

Love the clear description. What worries me about stocks and shares ISAs is the disclaimer about you might get back less than what you pay in. Is ut likely I will get more in a year than the 5% I can get from a cash ISA? People keep giving figures from 8% to 12% in one year. Where can I get true info about what people make? I want to possibly transfer a £20K ISA to a stocks and shares ISA in 2 weeks, then leave it running for a year, but also open a new cash ISA and pay in £20K on 6th April. That will go with another transfer I have just done.

@OH2023-cj9if

4 ай бұрын

This is allowed! You can open as many ISA as you like for the purpose of transferring old ones. You can also have ISAs running in parallel. You can only pay in £20K each tax year in total, so can pay £10K in to one and £5K in to two others depending on the provider.

What about if you have maxed out your isa? Are the same funds the best option albeit outside of an isa?

Thanks for the great video Sasha. I use HL and hold both a S&S ISA and Junior S&S ISA and only ever invest via regular monthly investing in Vanguard funds (never one off trades) - I understand that by regular monthly investing by direct debit there are no transaction/trade fees, only an annual fee of 0.45%. Is this high compared to others and would you recommend switching to the Vanguard platform in the new tax year?

@alantrunks2908

6 ай бұрын

I have a S&S ISA with vanguard but have LISA with H&L due to vanguard not offering a LISA. I also went with HL for the junior ISA, as vanguard was asking for a minimum contribution of £100 per month. Now I feel like I may have made a mistake and fees will be eating into whatever profit made on the junior ISA. A video on best LISA and junior ISA would be fantastic.

@adrianl5899

6 ай бұрын

​@@alantrunks2908HL doesn't charge for JISAs - it's an excellent option for JISAs! Another big player - Fidelity - has no service fee if investing in funds within a JISA, so again is a great option.

Surprised Interactive Brokers made the list… (just a note but their fees are higher than stated in the UK as you’re looking at US based fees).

Hi Sasha. Which is the best stock broker for in-species transfers? Does Interactive brokers or Trading 212 offer this service ?

Please can you do a video like this for LISAs. From what I understand Vanguard don't offer LISA accounts.

What is your opinion of AJ Bell?

Hi Sasha, that's been very helpful. Thank you. I have a question about transfers. Last year I opened shares ISA with IBKR. This year I'll put my whole allowance into T212. I have old cash ISAs from different providers which I want to transfer to last year's IBKR ISA. Is this acceptable?

In Canada you can contribute to an unlimited number of TFSA accounts(equivalent to an ISA) in one year

@SashaYanshin

6 ай бұрын

Hopefully the UK regulations will catch up with the modern world at some point!

@adamhopkinson7299

6 ай бұрын

Your friend Jeremy Hunt already announced from April 2024 you will be able to pay into multiple different accounts of the same type of ISA in his autumn statement, maybe you missed the one good thing he announce in amongst all the horse manure @@SashaYanshin

Is the trading 212 isa flexible with regards buying and selling stocks yrs after purchase?

The first YT'er who actually highlights the platform reputation/risk/backing! What is it with YT'ers (not you specifically) banging on about and making most of their content about platform costs (affiliate links obvs), seriously! H&L is the highest FX and platform cost of most platforms that include both index funds and stocks (3000+), but you know there's a human at the end of a message or phone, try sorting out issues with newer 'no fee/inexpensive' bot platforms. I dont think so! From 2024 tax year we can have multiple ISA shares platforms, so grab a VG platform for VG index funds and H&L (or similar reputation) for everything else. At least you have managed risk and there will be no surprise T&C changes, costs may even come down with the recent platform competition too, but forget costs, reputation and response is far more important, even over longer durations.

Are we able to sell shares from one ISA while contributing into a second ISA during the same tax year? Does selling also activate these accounts?

hey Sasha, if I heard you correctly you said there's no fee's with trading 212 if you buy UK stocks, does that include no stamp duty or do you still have to pay that ?

@andyh3142

6 ай бұрын

Still pay stamp duty

You can buy limited shares in your isa with DODL, which is say AJ BELL's budget company, im looking at this in more detail

@SashaYanshin

6 ай бұрын

Monthly fees based on amount invested + very expensive FX fees which is why it was not in the list.

Hi Sasha, Say I want to trade options in IBKR but ISA doesn't offer options, only SIPP which a regular individual can't open without going through a main administrator SIPP account. Is there any way to be able to trade options and benefit from tax-free like ISA? is there a age limit that you can withdraw from ISA? Thanks.

Id love to learn more as an absolute beginner if you more vids on this

@SashaYanshin

6 ай бұрын

I will be doing more and I am actually right now working on a course too :)))

@doyouthinkitsdead

6 ай бұрын

@@SashaYanshin I look forward to it, feels like I could get into it with decent guidance

Thanks Sasha, great channel, I understand if you move out of the UK abroad you cannot keep a S&S ISA, is this correct or is it just that you cannot deposit in to it any longer? If the latter would automatic reinvestment of dividends in to the same stocks / ISA be considered as a new deposit and therefore be banned please?

@adrianl5899

6 ай бұрын

It can remain open. You can also transfer it to another provider. However, you cannot make any new subscription (ie. pay in) "after the tax year that you move (unless you’re a Crown employee working overseas or their spouse or civil partner)." You must also tell the ISA provider asap that you are no longer UK resident. Reinvestment of dividends is not you making new deposits and is fine. If reinvestment of dividends counted as new deposits, we could never use the allowance by investing £20k - the dividends would continually take us beyond £20k.

Thank you, timely info. One question The Gov £85000 financial protection. Does it cover the investments in an ISA? Would it freeze the value of the stocks at the time the ISA company demised? Does it keep the shares in my name so I get them rather than turned to cash? How is fraud covered (thinking FTX in the shares market).

the rules changed u can pay into multiple stocks and shares IsA now in the same financial year. if you can get the details on that that would be great

Great video Can I transfer a cash ISA to cashISA with the different provider in the same financial year Can I transfer a cash ISA to stock and share ISA with a different provider in the same year

I’m on freetrade and can’t get away as I’m on red and can’t sell at a loss and trading 212 accepts only cash transfer.Do you know if in the future trading 212 is going to accept shares transfer?

The only downside with Interactive Brokers which I find very annoying is that you have to wait 2 working days after you sold a stock before you can reuse the cash. No other brokers in the UK have this restriction.

Any ideia about someone outside Europe/US investing on UK Stock market is going to be charged only at his own country by any gain of capital?

So, with the current changes in ISA rules, can we open i.e. Stock and Shares ISA and LISA and pay into both in the same year? 🤔

How do we check if trading 212, Vangard and hsbc stocks is using the same sip and fscs

Hi sasha is Fundsmiths still a steady investment?