Edinburgh Black Cat
Striker
Obviously it does depend on what you invest in, but a 'standard' approach of a large index fund.
S&P 500 - VUAG +8%
All World - VWRP +13%
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Stocks n Shares ISA
- Thread starter Fletch
- Start date
Obviously it does depend on what you invest in, but a 'standard' approach of a large index fund.
S&P 500 - VUAG +8%
All World - VWRP +13%
MustardAndOnions
Winger
oh wow, yeah I am obviously a novice, I just use standard Isas, but rates are dropping
is S&P 500 pretty consistently above your 4% Isas then?
I quite like knowing what I am getting back from the standard Isas thats all
sorry basic questions here. as I say thinking about other options for next year.
Historically yes, over time.
Going forward it depends how much you trust Trump or believe in an AI bubble.
Dun Scathach
Midfield
Have in mind outside of an ISA you will be taxed on any returns you make.
Darlo1973
Striker
The big difference with S&S ISAs is that you never know what you will get back. In any one year it could be a 20% gain or it could be 20% loss. That's why they are dangerous for the short term but as long as you are happy to lock your money away for the long term (absolute min 5 years, ideally 20+) then they are almost certainly going to beat cash rates (and inflation) as the good years tend to compensate for the bad ones.
If you are interested in getting started then I would begin with whatever you can afford (say £50 a month) into a global tracker. Setup a standing order then forget about it and trust in the miracle of compound growth. Checking the value every day is the path to insanity.
archiesdad
Midfield
When you say std do you mean cash isa. These usually have fixed terms and returns?
Batdad
Striker
This is true - but I just cant help myself!
MustardAndOnions
Winger
Thanks mate, will do some research
Yeah didnt use fixed, might move them over to that too though.
Was 4.8% in April and now 3.8%...on a variable one
I'll be 3 years in in March in my first one . Moderate risk from memory. It's pretty poor so far .
3% ish . Probably take it out in the next year
Darlo1973
Striker
How on earth have you only managed 3% over 3 years?
buster
Striker
You need to get it out today, never mind in the next year.
Per annum
20k ,it's now 22000 so say 3.5 %
No idea . Had 20k to put away . Good reviews ,xx% of customers increased their stock by x amount etc .Big company I'm 34 month in and just over 22k on pot
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Matt Hopkins
Winger
Did you put the lumper into some sort of bond fund? Seems low return for equities even if the 'company' has massive fees
gizmoganzee
Striker
I can't help looking at mine, even though it's a relative small amount.
Darlo1973
Striker
I wouldn't take the money out of the S&S ISA but certainly the investment (and maybe the platform) needs changing.
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buster
Striker
That’s what I meant , should have made it clearer tbh.
Relative newbie , only thing I chose specifically was a fund with businesses involved in renewable energy, save the planet ,green type credentials. Same time I had regular saving accounts giving me 5% on fixed dealsDid you put the lumper into some sort of bond fund? Seems low return for equities even if the 'company' has massive fees
Pleased this popped up.....
Got a Sharesave scheme at work that ends 1st Feb. Decent little profit from investment (which was taken direct from salary after tax). I'm aware of the CGT implications if I sell them immediately, but seen that there is an option to move some or all of it straight into a S&S ISA. From what I have read, I could in theory then withdraw this without any tax obligation.
Feels too good to be true. Anyone more informed than me able to confirm if this is true or bullshit?
Got a Sharesave scheme at work that ends 1st Feb. Decent little profit from investment (which was taken direct from salary after tax). I'm aware of the CGT implications if I sell them immediately, but seen that there is an option to move some or all of it straight into a S&S ISA. From what I have read, I could in theory then withdraw this without any tax obligation.
Feels too good to be true. Anyone more informed than me able to confirm if this is true or bullshit?
Darlo1973
Striker
Edinburgh Black Cat
Striker
Yes, definitely possible. And it is a net £20k so if it is a flexible stocks and shares ISA you can do multiple transfers by withdrawing the cash each time to reset your ISA allowance.
For example:
- £45k in company shares
- £20k ISA allowance
Steps
- Transfer £15k into Flexible S&S ISA, reduces remaining ISA allowance to £5k. £30k remains in workplace scheme.
- Sell £15k of shares in S&S ISA. Remove cash from ISA. Remaining ISA allowance resets to £20k
- Transfer £15k into Flexible S&S ISA, reduces remaining ISA allowance to £5k. £15k remains in workplace scheme.
- Sell £15k of shares in S&S ISA. Remove cash from ISA. Remaining ISA allowance resets to £20k
- Transfer £15k into Flexible S&S ISA, reduces remaining ISA allowance to £5k. £0 remains in workplace scheme.
- Keep, sell or transfer £15k sitting in S&S. Whatever you prefer.
No CGT payable.
Relies on a) wanting to actually sell them b) having a flexible S&S ISA, not just a regular S&S ISA c) cycling through that as many times as you need in the allowable 90 day period
