42
Striker
Thats the original ls100 not the new global one
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Stocks n Shares ISA
- Thread starter Fletch
- Start date
Thats the original ls100 not the new global one
danielsan
Midfield
Thanks for mentioning checking a transfer
Hooky
Midfield
Can I ask why you would need to move them, in both my previous company sharesaves you just leave them. Check your small print.
danielsan
Midfield
Im under the impression if i left them, then sold them, they could be eligible for CGT.
I’ll be honest thought haven’t read the full t and cs
Edinburgh Black Cat
Striker
That's correct. To avoid the CGT you need to transfer into a S&S ISA, within 90 days. Unless the gains are under £3k in which case they are liable for CGT, but you don't have to pay due to being below your allowance.
Regarding T212, in general I'd recommend them. But I'd be surprised if they facilitate this for you.
danielsan
Midfield
Thanks for the call out….trading212 doesn’t look like the support it based on help from October2025
Darlo1973
Striker
Not really surprised. The way platforms like T212 keep costs low is by offering the minimum of additional services.
Looks like Hargreaves Lansdown does them:
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42
Striker
The other thing to consider as when new isa rules kick in, wont be able to do isa transfer to cash isa (if that's what you mean by get in the bank). If definitely looking to buy in next couple of years, then de-risking is something that should be seriously considered.
Darlo1973
Striker
Nobody knows. It could crash next week and then recover quickly. The next 2 year could be boom time and you'd be missing out if the money was in cash.
A fall in the stock market often comes with a fall in house prices which can benefit a first time buyer. I bought my place in 2009 just after the global crash. I lost a bit of investment but house prices fell further and I was helped by very low interest rates.
1more
Striker
Does she have a Lifetime ISA? She can put £4k in a year and the government will give £1k. Plus also interest on the savings.
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Fletch
Striker
Aye already sorted that and paying in
Only 20k in and a low ish earner so shouldn’t really matter , if normal bank gets higher int rate than a cash isa then likely makes more sense . Have heard vanguard can drag heels if want to transfer out into a cash isa and for this amount prob easier to sell
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42
Striker
Can always put into money market funds also instead within the s&s isa
Matt Hopkins
Winger
Are you thinking of the cash rate not the STMM? The STMM is benchmarked against the SONIA rate and seems to have done just that
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MonkeyLove
Striker
I had an email from Hargreaves Landsdown this morning significantly cutting their fees it looks like from 1st March.
I presume the likes of 212 and Plum are shafting their business model. Probably still a lot of older clients who would trust HL with 100k + that wouldn’t trust 212 with that (Even though both have the same protection) but you have to think as older/less digital savvy customers go then they will still have to do far more to compete.
Been reading a lot over the last few days how minerals and power are expected to thrive in 2026. You can get some risk spread ETFs from the big players in both sectors if you want to play conservative but it doesn’t sound like a pump. There is a recognised Global mineral shortage in some key rare earths and more common areas like copper at a time when demand is going through the roof.
Likewise AI demands huge amounts of power and the sector could do well this year in the same way data centres delivered ridiculous returns last year.
I still think an S&S ISA is a solid long term investment but with Trump in post people will have to be prepared to experience volatility.
I presume the likes of 212 and Plum are shafting their business model. Probably still a lot of older clients who would trust HL with 100k + that wouldn’t trust 212 with that (Even though both have the same protection) but you have to think as older/less digital savvy customers go then they will still have to do far more to compete.
Been reading a lot over the last few days how minerals and power are expected to thrive in 2026. You can get some risk spread ETFs from the big players in both sectors if you want to play conservative but it doesn’t sound like a pump. There is a recognised Global mineral shortage in some key rare earths and more common areas like copper at a time when demand is going through the roof.
Likewise AI demands huge amounts of power and the sector could do well this year in the same way data centres delivered ridiculous returns last year.
I still think an S&S ISA is a solid long term investment but with Trump in post people will have to be prepared to experience volatility.
Select coaches
Striker
Interactive Investor announced a cut a month or 2 ago. £14.99 for running a SIPP & ISA with no %age charges. Much better imo than any scheme that charges fees based on percentages.
Blackrock world mining trust is up 60% last 3 months and pay reasonable dividends.
