Hi I have been using the T212 ‘Stocks ISA’ to invest in pies, and I have also invested in a few individual companies, but have done that in the ‘Invest’ section. I had done this as i had erroneously thought that’s how it worked. I did not appreciate you could invest in individual companies under t…

Your understanding is correct. A GIA is a General Investment Account. An ISA is an Individual Savings Account. Anything held in a GIA can be subject to capital gains tax and income taxes. An ISA is free from U.K. capital gains tax or income taxes. A GIA allows for unlimited deposits. An ISA allow…

[image] Dougal1984: 4.58%, there are better rates out there! Thanks Dougal. Really appreciated. Hmm, i could not find a better VARIABLE cash ISA rate!

[image] CCT212: Hmm, i could not find a better VARIABLE cash ISA rate! Are you sure? [IMG_0131] Moneybox also offer a decent rate: [IMG_0132] For disclosure I am an investor in Chip, and although I hope I see a return on my investment, they have wasted a lot of investors money to get to…

Thanks again Dougal. I’m maxed out on T212 Cash ISA. I had looked at Moneybox - but i was not confident that in the year I wouldn’t need to make 3 withdrawals; hence why I chose Chip. Always good to hear of experiences; and those Chip experiences don’t fill me with confidence. Moneybox has been …

[image] CCT212: I’m maxed out on T212 Cash ISA. But you haven’t as there are funds in Chip. Both support transfers. That said there is value holding cash at different institutions. You never know when you may need access and one could have IT issues.

Thanks. I’ve got 20k in T212, vast majority in the Cash ISA. So, i meant im maxed in terms of the 20k tax free limit with T212.

Single company investment: Investment v Stocks ISA

📊 Investing

CCT212 January 5, 2025, 1:19pm 3

Thanks Dougal.
Really appreciated.

Hmm, i could not find a better VARIABLE cash ISA rate!

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Single company investment: Investment v Stocks ISA

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