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13 mai 2020 · One rule is that you can't use the money for a LISA for a house purchase for 12 months from the date of opening without penalties applying. Another rule is that you can invest up to £4000 per tax year and you can get up to £1000 bonus per tax year. That means if you open an account in March you can pay in £4000 on 10th March and £4000 on ...
3 déc. 2020 · Today the seller's conveyancers finally confirmed said date. A large proportion of our deposit comes from Lifetime ISAs we both have with Skipton (we are first time buyers) - the deposit is £43k in total, we have just over £40k in our 2 LISAs. Our conveyancer has only today sent the forms off to Skipton relating to the release of said funds.
7 mars 2024 · 7 March at 6:14PM in Pensions, annuities & retirement planning. Thanks to this forum, I decided to transfer my cash LISA (for retirement not house purchase) to a S&S LISA with AJ Bell. The transfer has gone through and now the money is sitting in cash and apparently I need to select an investment from a frankly mind-boggling choice.
20 avr. 2017 · So far I have read an awful lot of negativity on the LISA so am now in two minds whether to opt for it. Current situation is as follows: - £5k S&S isa. - £56k cash savings. - £146k mortgage (joint with partner) - employer pension which I contribute in the max (salary sacrifice), as do they @ 8% and 16% respectively. - no private pension.
25 mars 2022 · Depends when you need the money and what for. Nothing wrong (and quite sensible IMHO) to continue with £4k in LISA and £16k in S&S ISA each tax year. Remember you can always access the LISA money before 60 by paying the penalty, hopefully you would have had some decent returns up until that date (if you do withdraw early) so should be manageable.
14 févr. 2018 · so the pension gives you, in the worse case, exactly the same return as the LISA (£125), and perhaps more (up to £147.06). so the pension wins. this is because you have access to salary sacrifice; without that, LISA would win. Pension could potentially allow you to retire before State Retirement age.
24 mars 2023 · In theory yes, but in practice someone over the age of 40 will have issues due to systems limitations of most S&S LISA providers, whereby they will not accept any application at all from someone over the age of 40. masonic Posts: 24,280 Forumite. 24 March 2023 at 10:47AM edited 24 March 2023 at 10:48AM. CompulsiveSaver said:
2 juil. 2024 · You would want to use taxable sources. e.g. your SIPP will allow £16.7k per annum drawn free of tax to utilise the current personal allowance until your state pension and LGPS is paid (75% to the unused personal allowance with 25% on top). You would save tax free sources, like the LISA, for when you become a taxpayer.
29 août 2022 · 29 August 2022 at 5:34PM edited 29 August 2022 at 5:35PM. You would both transfer to your son's current account. He would then add it to his LISA from his account. Then repeat in the new tax year in April and then again the following April to get the full £12k in as soon as possible. masonic Posts: 24,364 Forumite.
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