# Stocks and Shares ISA **URL:** \ **Category:** šŸ¤ Help\ **Created:** [January 11, 2021, 5:26pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389 "2021-01-11T17:26:09Z")\ **Posts on this page:** 19\ **Page:** 1
**Author:** ![Tedk99](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tedk99/32/10285_2.png) [@Tedk99](https://community.trading212.com/u/Tedk99)\ **Post date:** [January 11, 2021, 5:26pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/1 "2021-01-11T17:26:09Z")
Has anyone found this info on Isa website. If you open stocks and shares ISA 20k per annum. But if one individual opens ISA in 2015 with one provider ISA 2016 another ISA 2017 another Then its 20000/3 that he can use during each fiscal year? ---
**Author:** ![CavanHaganInvesting](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/cavanhaganinvesting/32/18536_2.png) [@CavanHaganInvesting](https://community.trading212.com/u/CavanHaganInvesting)\ **Post date:** [January 11, 2021, 5:29pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/2 "2021-01-11T17:29:16Z")
> [@Tedk99](#): > > Then its 20000/3 that he can use during each fiscal year? Can you elaborate further? I donā€™t fully understand ---
**Author:** ![Tedk99](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tedk99/32/10285_2.png) [@Tedk99](https://community.trading212.com/u/Tedk99)\ **Post date:** [January 11, 2021, 5:32pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/3 "2021-01-11T17:32:58Z")
Putting money into an ISA Every tax year you can put money into one of each kind of ISA. The tax year runs from 6 April to 5 April. You can save up to Ā£20,000 in one type of account or split the allowance across some or all of the other types. You can only pay Ā£4,000 into your Lifetime ISA in a tax year. Example You could save Ā£15,000 in a cash ISA, Ā£2,000 in a stocks and shares ISA and Ā£3,000 in an innovative finance ISA in one tax year. Example You could save Ā£11,000 in a cash ISA, Ā£2,000 in a stocks and shares ISA, Ā£3,000 in an innovative finance ISA and Ā£4,000 in a Lifetime ISA in one tax year. Your ISAs will not close when the tax year finishes. Youā€™ll keep your savings on a tax-free basis for as long as you keep the money in your ISA accounts. > **[Individual Savings Accounts (ISAs)](https://www.gov.uk/individual-savings-accounts/how-isas-work)** > > Types of ISA available, the tax-free ISA allowance, withdrawing money and transferring ISAs So if u have 2 stocks and shares ISA in the same year is that OK? ---
**Author:** ![Tedk99](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tedk99/32/10285_2.png) [@Tedk99](https://community.trading212.com/u/Tedk99)\ **Post date:** [January 11, 2021, 5:57pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/4 "2021-01-11T17:57:04Z")
@CavanHaganInvesting Found the answer after a bit of digging but not on gov ukā€¦ ## How Many ISAs from Previous Years? Notice that you can open an ISA with a different provider of the same type each tax year. That means that **you could have up to twenty ISAs** of the same type e.g. stocks and shares ISAs which have accumulated over the years. This can become unwieldy if you have to log in to several websites and use several passwords. Some people choose to transfer old ISAs into a single account for this reason. Just to illustrate how complicated this could get hereā€™s an extreme example. ### **Example Stocks & Shares ISA History** | Provider A ISA | Provider B ISA | Provider C ISA | Provider D ISA | | --- | --- | --- | --- | | 1999 Ā£7000 | 2004 Ā£7000 | 2009 Ā£7200 | 2014 Ā£15000 | | 2000 Ā£7000 | 2005 Ā£7000 | 2010 Ā£10200 | 2015 Ā£15240 | | 2001 Ā£7000 | 2006 Ā£7000 | 2011 Ā£10680 | 2016 Ā£15240 | | 2002 Ā£7000 | 2007 Ā£7000 | 2012 Ā£11280 | 2017 Ā£20000 | | 2003 Ā£7000 | 2008 Ā£7200 | 2013 Ā£11520 | 2018 Ā£20000 | In the example above weā€™ve switched ISA provider every 5 years so that over the 20 year history of ISAs we have accumulated 5 different providers. But in theory you could have chosen a different provider each year and have 20 ISAs! > **[How Many ISAs Can I Have?](https://pensioncraft.com/how-many-isas-can-i-have/)** > > You can split your Ā£20,000 ISA allowance amongst one each of the four ISA types in this tax year: a Cash ISA, Stocks & Shares ISA, an Innovative Finance ISA & a Lifetime ISA. A household can use each adult's 20k limit and one Junior ISA of... ---
**Author:** ![CavanHaganInvesting](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/cavanhaganinvesting/32/18536_2.png) [@CavanHaganInvesting](https://community.trading212.com/u/CavanHaganInvesting)\ **Post date:** [January 11, 2021, 6:14pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/5 "2021-01-11T18:14:46Z")
> [@Tedk99](#): > > So if u have 2 stocks and shares ISA in the same year is that OK? You can have 2 stocks and share ISAs ā€˜openā€™ in one tax year, but you can only deposit into one each tax year, not both ---
**Author:** ![Dougal1984](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/dougal1984/32/14304_2.png) [@Dougal1984](https://community.trading212.com/u/Dougal1984)\ **Post date:** [April 3, 2022, 4:57pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/6 "2022-04-03T16:57:05Z")
So as we near a new ISA tax year(6th April), whoā€™s searching under the sofa trying to find more pounds to fill up this years allowance, and where is the best place for the 2022/2023 ISA year? Personally, I have always waited until the end of the ISA year to attempt to fill it up, but sometimes I also leave funds in my GIA if the spread is not helpful or I donā€™t think I will get close to maximising my CGT allowance. Anyone going with 212 from the go, or looking elsewhere - InvestEngine/FreeTrade/Dodl/Fidelity/Hargreaves/Vanguard/ii/Nutmeg/Wealthify or somewhere else? I guess it depends on the users requirements on what they want to hold, or if they need a flexible ISA. Keen to see others thoughts. Should I just pull the plug and go early with a 212 ISA for next year (@Briscoe)? ---
**Author:** ![topher](https://avatars.discourse-cdn.com/v4/letter/t/9de053/32.png) [@topher](https://community.trading212.com/u/topher)\ **Post date:** [April 3, 2022, 6:04pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/7 "2022-04-03T18:04:38Z")
Iā€™ve maxed out this yearā€™s. Iā€™ve withdrawn a fair whack of it towards a house deposit but as T212ā€™s Isa is not flexible, I canā€™t top it up any more which is annoying. I may open next yearā€™s elsewhere because I want to be able to autoinvest rather than do it manually. ---
**Author:** ![TInvest](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tinvest/32/19312_2.png) [@TInvest](https://community.trading212.com/u/TInvest)\ **Post date:** [April 3, 2022, 8:13pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/8 "2022-04-03T20:13:57Z")
Itā€™ll be T212 or IB for me. Probably the latter. Iā€™ll keep my existing accounts with T212 but keen to diversify brokers as well as stocks. HL has my LISA. FT has some GIA but no real benefit to opening an ISA there over T212. ---
**Author:** ![Dougal1984](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/dougal1984/32/14304_2.png) [@Dougal1984](https://community.trading212.com/u/Dougal1984)\ **Post date:** [April 5, 2022, 8:23pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/9 "2022-04-05T20:23:26Z")
Another general question, and I guess this will be different for everyone. What do we think is a ā€˜reasonableā€™ salary to live on, and fill up your ISA at the same time? > **Give your own answer first :)** > > 50k Curious to see what numbers people come up with šŸ™ƒ ---
**Author:** ![Scrooge\_McCodf](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/scrooge_mccodf/32/18951_2.png) [@Scrooge\_McCodf](https://community.trading212.com/u/Scrooge_McCodf)\ **Post date:** [April 5, 2022, 9:36pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/10 "2022-04-05T21:36:32Z")
Got to be north of 50k, otherwise it will become very tricky. ---
**Author:** ![Zrtz](https://avatars.discourse-cdn.com/v4/letter/z/eb9ed0/32.png) [@Zrtz](https://community.trading212.com/u/Zrtz)\ **Post date:** [April 6, 2022, 8:32am UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/11 "2022-04-06T08:32:43Z")
> [@Dougal1984](#): > > Anyone going with 212 from the go, or looking elsewhere - InvestEngine/FreeTrade/Dodl/Fidelity/Hargreaves/Vanguard/ii/Nutmeg/Wealthify or somewhere else? Am inclined to go with T212 provided provided am not hitting the 85k max compensation scheme. Out of curiosity how do these brokers stalk up against each other? I started investing with HL - Ā£11.95 a pop is hard to swallow personally ---
**Author:** ![Hbomb](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/hbomb/32/8551_2.png) [@Hbomb](https://community.trading212.com/u/Hbomb)\ **Post date:** [April 6, 2022, 8:39am UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/12 "2022-04-06T08:39:52Z")
I would say you would need 80-90k+, as post tax that would be like 60kish so to invest a third would fill ISA more doable (still hard IMO). If 50k wage then thats 37k post tax, so you are investing over 50% of wage? Fair play if you can but not sure for most people thats feasible with mortgage to pay, bills etc. Also are you guys also putting enough in your pensions? As that bonus from govt amount surely makes SIPP better than ISA for any long term retirement investments. Great video on it from meangful money youtube: [Pension vs ISA - So many people get this WRONG! - YouTube](https://www.youtube.com/watch?v=y-4s1wqwQ7k) Not sure if most here are employees or run own business etc, but remember if a ltd company director you can pay pension as a cost to business, reducing tax so usually better to take lower wage if part of wage was just to invest in ISA anyway and just directly into a SIPP. Equally I am aware this is a trading platform so perhaps I am speaking to wrong crowd šŸ˜… so ignore me and call me boomer. ---
**Author:** ![TInvest](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tinvest/32/19312_2.png) [@TInvest](https://community.trading212.com/u/TInvest)\ **Post date:** [April 6, 2022, 10:22am UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/13 "2022-04-06T10:22:56Z")
Watched that video. Took him a while to get to the salient point - a balance of both is the answer. Which side you lean towards more will depend on income tax rate, chances of hitting LTA, eligibility for LISA, the age you want to retire, access required at any given time, the desire to spend your money vs leaving it for beneficiaries, who those beneficiaries are (charities for example), and no doubt a bunch of other things Iā€™ve not mentioned ---
**Author:** ![MaxZorin](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/maxzorin/32/16530_2.png) [@MaxZorin](https://community.trading212.com/u/MaxZorin)\ **Post date:** [April 6, 2022, 12:22pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/14 "2022-04-06T12:22:01Z")
Well it needs to be over 10min long to get the ad money. The vid is just over. šŸ˜ ---
**Author:** ![TInvest](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/tinvest/32/19312_2.png) [@TInvest](https://community.trading212.com/u/TInvest)\ **Post date:** [April 6, 2022, 1:27pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/15 "2022-04-06T13:27:54Z")
Interesting, I didnā€™t know that šŸ˜… ---
**Author:** ![Briscoe](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/briscoe/32/27789_2.png) [@Briscoe](https://community.trading212.com/u/Briscoe)\ **Post date:** [April 6, 2022, 2:11pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/16 "2022-04-06T14:11:45Z")
Iā€™m currently 32k and can fill it. Mrs is on about that also as a household. ---
**Author:** ![Briscoe](https://dub1.discourse-cdn.com/flex013/user_avatar/community.trading212.com/briscoe/32/27789_2.png) [@Briscoe](https://community.trading212.com/u/Briscoe)\ **Post date:** [April 6, 2022, 2:12pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/17 "2022-04-06T14:12:08Z")
The minimum as time is 8min ---
**Author:** ![101uk](https://avatars.discourse-cdn.com/v4/letter/1/f19dbf/32.png) [@101uk](https://community.trading212.com/u/101uk)\ **Post date:** [May 18, 2022, 2:21pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/18 "2022-05-18T14:21:54Z")
QUESTION: Is there a reason for the GGRP etf to not be visible when adding it to an ISA? Could anybody explain if GGRP etf is not available for an ISA? Thanks. ---
**Author:** ![Zrtz](https://avatars.discourse-cdn.com/v4/letter/z/eb9ed0/32.png) [@Zrtz](https://community.trading212.com/u/Zrtz)\ **Post date:** [May 18, 2022, 3:59pm UTC](https://community.trading212.com/t/stocks-and-shares-isa/36389/19 "2022-05-18T15:59:40Z")
I cant remember the exact rules but there criteria for stocks & ETF to be added on an ISA. If you wild card search on the forum ā€œstocks not on ISAā€ there are loads of articles written about this already for you read - might require some digging tho Goodluck