Thanks for making this video very informative

Thanks for doing ISA videos, Please do a video detailing transfers

Yeay! The gorgeous Andy 🎉🎉🎉❤❤❤

I would be very interested in seeing a review of the different ISA platforms.

Hi I have a question what is the best Stocks and Shares ISA? Please do a review!

I done the 7 year fixed at 4,95% at the time.

Dude, we need something like this in NZ

Thank you for the video. What if I would like to buy a property abroad? Could I use the funds for it?

Hey, I'm guessing it's beneficial to add to an existing isa in the next tax year for compound interest reasons rather than starting a new one on a new platofrm?

also is there ever a point where the earnings are locked? Or does it just go up and down - I mean like and the end of the tax year does it just keep fluctuating - how do you kjnow wgat you % increase/decrease is

I am using my flexible isa for holding money for bills.

Thanks Andy. One question in regards year allowance. If I would put full £20k in 2 year fix, can I put another £20k after a year on another ISA or the 2 year fix will not allow me to do it?

@Len_J_

9 ай бұрын

Doesn't matter. You can put away 20K every year.

@saaversteen

9 ай бұрын

@@Len_J_ can he put 20k into the 2 year fix next year?

@Len_J_

9 ай бұрын

@@saaversteen No. Not into a fixed ISA.

Hi Andy, i am new to ISA’s and I opened a cash ISA with 20k at Santander in March just before this years cut off date. I then added another 20k after 7th April to max out last years and this years allowances. So I have 40k in this account, will I be getting interest on the 40k that’s in their this year? Also when it comes around to next years allowance can I put in another 20k in April 24 and have 60k in total and get interest on 60k if it remains in there for following financial year?

@stevemahoney5209

9 ай бұрын

I'm guessing this is an easy access account. Yes, you will receive interest on the full amount tax free. Just add the extra funds from 6th April '24, as that's when the new financial year begins and you can add another £20k 😊😊

Hello Andy

I had a cash isa with nationwide, at 4.25%, with the full allowance of 20k, i transferred to Barclays isa at 5.25%, when the transfer completed i had £20,175.06 balance, i assume the £175.06 is interest earned from nationwide, question is, will i get taxed on that £175.06?

@wolvoman1

6 ай бұрын

Well, thanks for the advice people !!

@Ezinma88

5 ай бұрын

No. It never really 'came out' of the ISA pipeline. Unless of course you decided - for some inexplicable reason - to not use the ISA switching service and just did the transfer manually yourself.

@wolvoman1

5 ай бұрын

@@Ezinma88 Thanks for your reply. Yes I used the isa switching service, just the confusion of seeing £20,175.06 in an account that has a 20k maximum.

What confuses me is if you did manage £20000 in 1st year and then toped up £20000 the next year topped it up for say 5 years so by then its £100000 is that posable or does the isa close end of tax year gives you all the money then you start clean again next year

Where does the help to buy Isa fit into all these categories and having that and some of the others?

@BeCleverWithYourCash

9 ай бұрын

Sadly help to buy isa is no longer available. If you have one already you need to decide if it’s better to keep that or switch or a Lifetime ISA.

If I were to put in £10000 into a Isa investment ,and made a gain of £20000 , is my original stake still £10000 ?

I just use chip interest every month isa are confusing .

Wondering who polices the 20k total ISA contribution per year? £4k LISA and £16 S&S ISA. What happens if you put say £18k in S&S by mistake due to direct debit gone over the limit by mistake just 1 yr? 👀 Vaguely remember LISA asked for NI details but cannot recall with S&S ISA. Is it like the triple crown 👑 switch with NatWest/RBS/Ulster bank switch incentive that you can push the boat out a bit 😂 Curious to know the consequences! 😱

@lawrencer25

8 ай бұрын

HMRC as all your details. If you know you have over payed , then you shouid get in contact with them ... You do not want HMRC contract you 🤦‍♂️🤦‍♂️🤦‍♂️🤦‍♂️👍

@Keyzzz87

8 ай бұрын

@@lawrencer25 yeah okay thanks. Cool, managed to find out the answer by bit more extensive googling. Continue with investing-> slow and steady wins the race? No quick wins…

please talk slowly

@meh.....720

7 ай бұрын

You can slow down the video speed in settings

@lvbo3660

5 ай бұрын

@@meh.....720 thank you! That's good to know.