Honestly this is the best video I have come across explaining what an ISA is and does. No jargons or complicated accounting terminology which the average Joe does not understand. Kept it very simple and detailed.

One of the best & easiest to understand videos I’ve seen on ISAs. The visuals were spot on👌🏿

Nisha 1M sub, I remember a few yrs back watching a video of yours talking about moving roles outside your current company to boost your earnings. You've done amazing; you are a great role model. Keep up the Great work.

Congratulations on 1 million Nischa, wonderful achievement.

That was literally the best explanation I have ever had the pleasure of watching! I now understand ISA's which believe me is not a small achievement, thank you for an awesome video.

Thanks for making this easy to understand. Best video ever on isa I have come across.

Thank You, very well explained 💯👏🏽

As per always, very useful content. Thanks Nischa.

Keep up the fantastic content Nischa!

Worth mentioning LISA are restricted to houses worth upto £450,000 - unrealistic for London

@londongirl891

3 ай бұрын

She did mention that.

@Babavose

3 ай бұрын

She mentioned that & you’re right it’s not effective or realistic

@SBvice

3 ай бұрын

worth watching the video and actually listening to what she says

Although this is UK-specific, I still watched the video. Much love 💕 from Canada 🇨🇦

Nearly 1 million subscribers 😮. Keep up the excellent work 👏

thank you very much for this video Nischa, I few days ago I was wondering where to put my money for investment, you have gave the answer

Thank you for this video. I have opened the cash ISA with the bank but never understood properly. But now I do and I know what I will do next. Thank you!

@Pjay04

3 ай бұрын

she is great at explaining right

Thank you, very well explained using simple terms even children can understand.

Excellent video - thanks!

The BEST video on ISA, I am going to open one right now.

Thank you for this explanation

Your content is very well informative and insightful thank you Nischa! 😊 I’d be keen if there could be related content specifically covering on first time buyers property home vs renting outlook in 2024 hopefully. 🤞🏼

Love it, super informative and put it simple 😊

Love this super super informative!

thought all ISAs were the lock away and you can never touch kind, but now Im going to look into the easy access option - which makes most sense for me at the moment. Thanks Nischa

Really useful video. Thank you 🙏

great video once again 👍👍

Thanks for the video

I'd be really interested to hear about the Junior ISA! I'm thinking of opening one for my friend's child when they're born.

Very imformative. Will wait for detail video. Thanks.

Thank God for Nischa.

This was good information, Keep it up

Very interesting. Thank you.

My son & I would love it if you did a video on junior ISAs please!

Thanks for this valuable info Please could you also make a video for the Junior ISA. 🙏

I have to wait until after April 5th because I am already contributing to a managed stocks and trade ISA. But I will open another DIY stocks and trade ISA on April 6th. Can't wait to try picking my own investments and fund both ISA accounts.

Hello, Nischa! Thank you for the informative video. Could you please consider making a video about a junior ISA? It would be greatly appreciated :)

Brilliant such a life saver!

Yes please 🙏 can you do another video about Lisa 😊

ISA , 401k all the same way for tax savings or protection. The problem with finance is so convoluted and complicated for no reason. All these terms and semantics are “tax codes” is the best way to understand these names is that it is a label 🏷️. I have been a little bit late ⏰ into the investing game. I started contributing to my employer IRA at the age of 26. Not too late but I am glad I started investing as the slow and steady method is what I am using. Thanks Nischa

Could you please share your thoughts on InvestEngine’s Self Invested Personal Pension? Thank you😊

If only there was something like this for the Australian market as well… the video I mean, absolutely top notch!

Another really informative video. Are you able to do a video regarding tax rates (higher) and ways to avoid paying the extra tax. Eg. More in pension etc in a previous vido you said you jusy scratched the surface.

This young lady has all the answers about money Lovely!

This is brilliant! Would you be able to talk about the other types of ISA too?

Thank you. It is very helpful. Could you kindly make a video on Junior ISA. Thank you so much.

I would love a video about Junior ISA. Love your content!

@darrenb1522

3 ай бұрын

Toby Newbatt has recently released a video on the best value JISAs. In short HL provides a fee free JISA (only pay the fund fee), Fidelity do too but only fee free for funds. As for whether you want to invest in a JISA, it's important to note that it is fully in the child's control from 18 and most people.arent money mature at that age.

Thank you from Fiji Island .

This is very simple and easy to understand!! Can you make such informative videos for Canada? I believe there are a lot of videos for the US, but they sound too complicated. So, please explain those simply like you did for the UK.

Gold sovereign Coin is the best for saving no Tax, no Capital gain. You just need to pay for storage fee for a safety deposit box. Gold was change to tire 1 store of values by the world bank.

Excellent ma'am

new to your channel look forward to learning great channel thanks

Junior ISA explained would be good.

Hi Nischa, please make a video on Junior ISA. Thanks.

that a great thing in UK! I wish I could use it

Excellent video. Can you please make a video on Junior ISAs?

Another great video Nischa. Please make a Junior ISA video. This is the ISA that confuses me the most.

@kenroyforte6175

3 ай бұрын

Works similar to a normal ISA but you can only input £9000 er year per child

Thanks for this video. Could you please share on Junior ISA. Thanks

Thank you very much for this timely video. I managed to move a portion of my emergency funds into Trading212 ISA. Would you be able to create a video for Junior ISA, please?

How to open a stocks and share ISA please,it was a very useful video 🙏

Another great vid. What is the best way to invest for my children's future?

Hi, can you do a video on Trusts, Wills and LPAs please,

That’s all good if you don’t have to deal with the CMS so any income generated from ISA is classed as an asset income and you will be taxed on it at the rate of 12,16,19 %..

the only other thing worth mentioning is that if you are high income earner the LISA is not really worth it. It is better off in pension schema, because you would save 40% on your money pretax rather then gaining that 25%.

Please can you make a video on SIP. What are they and how are they used for savings on Tax and pension planning. thanks

@firstspar

3 ай бұрын

yes great idea, hope this video comes.

Please make use of your ISA allowance its fantastic way to PAY less TAX. Very easy to open.

Thanks for the details ! Is there any good CASH ISA choice or which one to avoid?

Could you do a series of SIPP and Junior SIPP? And which is better? An SIPP or a Stocks and Shares for example? Thank you xxx

Please could you make another video on the other ISAs?

Question, re tax allowance, what if you do not pay tax. Is the tax free allowance £12,570 + the £1000 on unearned income?

Hey Nischa I love your channel! Would you recommend ISA to those planning to retire abroad? As you cannot transfer the ISA funds abroad without them being taxed . I really want to build an IsA but feel very confused due to that.

Worth mentioning the 212 interest is opt-in, and not FCA backed.

Can you make a video on Canadian tax

Great video!! Is it possible to open up more than one cash or stocks ISA if it's in different calendar years?

Excellent video thanks.🌹 Is there any way I don't get taxed on my pension if I want to enjoy it abroad?

Can you invest in a stocks and shares isa and Lisa within the same tax year from the same company ? Love your videos

Hi Nischa, thanks for an astounding video. However, I'm still confused as to where do I open up my ISA account? Is it with moneybox? Or nationwide? How do I know where to start off with...

Please can you do an indepth on stocks and shares ISA?

Please do a vid on Junior ISAs 🙂

Thank you for this insightful video. If we do not need this money, would it make sense to put it in our retirement account through a salary sacrifice as we get our taxed income (gross from net) back from the tax authorities?

Greetings from Canada

i did not understand, when you said you can take you money out but you can put it back again? I thought once you take it out you cannot replace it?

Thanks for this. I thought the tax free limit on earning interest was much higher than 1k. I double checked and March's interest payment put me just over, so will only be paying a small amount of tax. But it did prompt me to open an isa this morning and put in the max. After April 5th I will be able to transfer the max again and then most of my savings will be earning tax free interest.

@annaboriesa

3 ай бұрын

This is one of my concerns. So I can put 4K max into my LISA before April 5th and after that date, can I put another 4k the same year? I get confused with that part.

@MegaCaptain

3 ай бұрын

@annaboriesa The max amount you can transfer into an ISA is 20k per tax year. If you have transfered that max amount, you can transfer money out, but no more can be transferred in until the next tax year.

@annaboriesa

3 ай бұрын

@@MegaCaptain What understood is that you can put no more than 4K into your LISA per financial year. 20K was the total amount you can put in all your ISA overall. (4k LISA + 10K S&S ISA + 6K Cash ISA = 20K)

@MegaCaptain

3 ай бұрын

@@annaboriesa I have only one ISA. A loyalty cash ISA. So this is all I am basing my info on.

Hi Nischa, how do you explain the £20,000 when completing your Self Assessment

I’m interested in a junior ISA for my two children please make a video on this

MOre about ISA pls! xx

@Bilal-a7mt

3 ай бұрын

xx

Carful were you invest and try to find out where your money will be used when invested.

Junior ISA video please

Can you talk about investing in precious metals?

Thanks for the video. Is there also a tax penalty for withdrawing money for a help to buy isa?

Really good video as usually. But the deposit is capped isn’t it? So if we xan only put £200/month max we can only put £200 before the 5th April isn’t it?

That was mega usefull

Indeed, many people who have been using their ISAs since its inception have become ISA millionaires. And the best thing about an ISA is the total tax free nature. So you can have £1 million in an ISA and never pay tax on any income generate from it, e.g. a £40,000 a year (assuming 4% return) and zero tax to pay!

If you already have an ISA from a previous year, can you open a new similar ISA? And does the £20000 threshold refer to the new or existing ISAs?

I wish we had this in Germany. Instead, we get the f*ng "Vorabpauschale", which essentially means that you get taxed on the value increase of your securities before you even sold them.

For the LISA, was the age of 60 just an example? Because I think the age of retirement is currently a few years older than that. And YES to the videos on Innovative Finance ISA etc! Thank you! X

@chrisriddell2800

3 ай бұрын

it is literally 60 years old bang on for a Lifetime ISA before you can withdraw without any penalties. Quick google search to confirm…

Hmm interesting

Is it possible claim tax deduction on ISA investments, if you are a PAYE?

What is innovative finance ISA 😮? Never heard of it. Can you make a video out of it ? Would LISA be similar to pension ? Obviously it is not going to pay monthly pension at retirement, but it essentially allows tax benefits with money allowed to grow till retirement. Is that correct ? Would it worth putting money there for retirement purposes?

So if you are compound investing with Hargreaves for example. Do you have to pull out your interest and put the earnings into an ISA or does it not apply in this type of case?

Would I be correct in saying that for 2 basic rate tax payers opening a joint savings account the interest earned before being taxed would be £2000, £1000 each?

May I pls ask which software you use create animations in your video ? Like the explainer text that appears on screen ?

Though you were going to start talking about auditing standards :D