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You get it back straight away.

You can open and contribute to more than one ISA, but you can only deposit a maximum of £20,000 each tax year. So as long as you paid in the £20,000 in a previous tax year, then you could contribute £20,000 more this tax year to a different ISA.

@@FranMariee Many Many thanks 🙏 It is really kind of you. Most of the time we don't get reply. Thank you so much for replying. Very helpful advice. Sending you lots of love and blessings 💗

You’re welcome! Glad you enjoyed it.

You’re welcome. Enjoy!

Hi Maria, you’re welcome. This is the one: www.hl.co.uk/funds/fund-discounts,-prices--and--factsheets/search-results/l/legal-and-general-european-index-class-c-accumulation

Thank you. I don't know why I couldn't find it. Also I just wanted to say thank you for your videos. It wasn't easy to find an investment/personal finance TH-camr who speaks clearly and very calmly. Thank you and please keep going.

@@Maria-tn5ig Thank you! I’m so glad you enjoy my videos.

As long as you have cancelled the full membership and moved down to the lite membership, you should not be charged.

Thanks for the tip! It sounds good, especially for those that need to pay in cash.

You’re welcome! That’s great. The hardest part is getting started, so you can only go up from there.

Hi, thanks for your question. Tide is a great option. cutt.ly/tide-business

You’re welcome

Thank you!

No, they don’t expire. As long as you collect or spend at least one Avios point every 36 months.

Just go on the website here: www.britishairways.com/travel/home/execclub/_gf/en_gb/ and choose “Book a flight with Avios.” And you can book not just BA, but Aer Lingus and Iberia as well.

Hi! A bolt on raises your credit limit on your Loqbox Grow account. You can choose between an increase from the standard £500 to either £1000, £2000, or £5000. The idea behind this is that it should boost your credit score by increasing the amount of credit you have available and affecting your utilisation, which is a factor that influences your credit score. So basically it’s one way of boosting your credit score a bit more.

You’re welcome! Glad it was helpful.

These are all savings accounts not investment accounts. So there is no inherent risk. Any money you save in these accounts is FSCS protected up to £85,000.

You’re welcome! That video has been planned so it will be coming soon.

You’re welcome

You’re welcome

Thank you!

Thank you!

You’re welcome. Yes, great suggestion!

Thank you! Yes, I can see why it would be a con for you if you are investing in individual stocks. I predominantly invest in funds so I look at it from that perspective. But now that we can pay into more than one S&S ISA, you could have one for funds and one for individual stocks as you say. Hargreaves is definitely a great option for investing in funds, because there's no fee and the fund charges are very low.

You’re welcome!

No, I just misspoke.

Well said all in on crypto. That 10K is not doing anything anywhere else.

100% in Kaspa, means Silver. BlockDag

Stack quickly before the retail generation z wakes up to the reality of God's money

Thanks for subscribing!

Exactly!

This seems a crazy risky strategy to me: putting everything in a single foreign market in a single foreign currency. If you'd done this 20 years ago you'd be laughing, with falling £ and strong US growth - but the next 20 years are unlikely to pan out the same. Surely you'd want a bit of regional diversity? Surely you'd want a bit of domestic exposure?

@@tomonetruth Have you got a crystal ball? You've no more idea what's going to happen in the next hour never mind the next 20 years. 😂😂😂🔮🥠

@@kw8757 Nobody does, which is why it's important to diversify, and not put everything in a single market in a foreign currency on the basis of historic performance.

You’re welcome! Glad you enjoyed it.

I meant not to include that.

Thank you! That’s great! Yes, I have a video all about the best LISAs for 2024. Here’s the link: th-cam.com/video/-sWCvvdS_pk/w-d-xo.htmlsi=8Kelm0uUmICJAPSN

Yes, investing comes with an element of risk. The level of risk depends on what you are investing in. But these days, whatever you choose to do with your money, there is some level of risk. You can lower your risk by having a diversified portfolio. For example, a diversified portfolio of low cost index funds spreads your risk and allows you to realise the potential gains on offer. I would personally invest the money that way.

@@FranMariee many thanks fran

Not zero risk but very low; a short term money market fund is at just over 5% return at the moment, maybe worth looking into that to lower your overall risk in your portfolio

There are cash savings accounts around the 5% mark. If you were to split the sum across 3 different banks, the entire amount would covered by the FSCS. There's always the possibility that the UK goes bankrupt, but that would, I think, be the closest to zero risk you could hope for.

@@tomonetruth thank you

You’re welcome!

You’re welcome!

This video is about the Moneybox lifetime ISA, which you can open with £1. For the Moneybox cash ISA (not the lifetime ISA) you need to deposit £500 to open it.

You can open the Cash ISA with £1 but youll only get the lower interest rate 0.75% so when you reach £500+ thats when you get the higher interest rate plus the added 1% bonus rate on top.

I know you can definitely unlock your Loqbox at any time. They do say that unlocking early might affect your credit history if you haven’t made enough monthly payments. I think it might be worth reaching out to customer service if you want to find out more.

The minimum you can save each month is £20, is that what you mean? You will get this money back at the end. That’s how Loqbox works. You pay in £20 per month and it is held until the end when you unlock your Loqbox. Because the total amount is reported as a loan that you are repaying, that’s what builds your credit score. If you mean the membership fee, it’s £2.50 per week and optional. The lite membership is free so you can downgrade to that.

Yes, you can have both a lifetime ISA (S&S) and a S&S ISA and invest in both. You can save and invest up to £20,000 a year across all your ISAs.

You’re welcome