英國：Stocks & shares ISA
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即係我2月開果個2024年2月到期要取消拎錢走先可以避免俾稅局招呼?
Financial year係計每年 4月頭
2月果個計2022-2023
6月果個計2023-2024
舊account 唔洗拎錢出黎 可以續/transfer去其他isa account
2月果個計2022-2023
6月果個計2023-2024
舊account 唔洗拎錢出黎 可以續/transfer去其他isa account
每個type 1個tax year只可以一個 但可以開多過一個type
加埋唔過£20000 (Lifetime isa £4000)
https://www.ajbell.co.uk/isa/multiple-accounts
How many ISAs can I have?
Each tax year, you can split your annual ISA allowance of £20,000 between the different types of ISA you’re eligible for. That can include a Stocks and shares ISA, Cash ISA, Lifetime ISA or Innovative Finance ISA.
Just remember – a Lifetime ISA has its own limit of £4,000, which sits within your overall allowance.
Over time, you could easily end up with many different ISAs with different providers, even if you stick to the same type of ISA. There’s no limit on the number of accounts you can open in your lifetime, but obviously the more accounts you open, the harder it will be to manage them.
How many ISAs can I pay into each year?
Though you can have multiple ISA accounts, there’s an important rule you must be aware of:
You can only pay into one ISA of each type per tax year.
For example, if you’ve already paid into a Stocks and Shares ISA this year, you can’t open and pay into another Stocks and Shares ISA with a different provider until the new tax year. You should be especially careful about this rule if you’ve a regular payment set up into an existing ISA account.
加埋唔過£20000 (Lifetime isa £4000)
https://www.ajbell.co.uk/isa/multiple-accounts
How many ISAs can I have?
Each tax year, you can split your annual ISA allowance of £20,000 between the different types of ISA you’re eligible for. That can include a Stocks and shares ISA, Cash ISA, Lifetime ISA or Innovative Finance ISA.
Just remember – a Lifetime ISA has its own limit of £4,000, which sits within your overall allowance.
Over time, you could easily end up with many different ISAs with different providers, even if you stick to the same type of ISA. There’s no limit on the number of accounts you can open in your lifetime, but obviously the more accounts you open, the harder it will be to manage them.
How many ISAs can I pay into each year?
Though you can have multiple ISA accounts, there’s an important rule you must be aware of:
You can only pay into one ISA of each type per tax year.
For example, if you’ve already paid into a Stocks and Shares ISA this year, you can’t open and pay into another Stocks and Shares ISA with a different provider until the new tax year. You should be especially careful about this rule if you’ve a regular payment set up into an existing ISA account.
多謝你解答
可以續?依點我就開始唔明，2023年6月我已經喺另一間銀行開一個isa入20k，如果2023年2月開果個20k isa2024年2月續，咁20242025稅季咪同時有兩個isa戶口兼超過20k allowance ?
可以續?依點我就開始唔明，2023年6月我已經喺另一間銀行開一個isa入20k，如果2023年2月開果個20k isa2024年2月續，咁20242025稅季咪同時有兩個isa戶口兼超過20k allowance ?
無錯
咁樣係咪會俾稅局招呼?超過allowance喎
Allowance 係每年計
20242025稅季同時有兩個isa戶口兼超過20k allowance ，果年計咪有兩個?
定係你意思係話只要係同一個戶口，每年續既話就唔洗再計多次allowance?
即係理論上若干年後可以有多個isa戶口每個就算有20k,只要每個都係唔同年份開，最後都係tax free?
定係你意思係話只要係同一個戶口，每年續既話就唔洗再計多次allowance?
即係理論上若干年後可以有多個isa戶口每個就算有20k,只要每個都係唔同年份開，最後都係tax free?
£20k係每個稅季入錢上限，上年入咗嘅錢下一年係唔會再計。
你唔係同一個稅務年度開就得
即係我可以有幾十個isa 戶口係無問題，即係isa戶口越早開越好
舊有isa戶口入面既錢transfer去第二間銀行既新開isa戶口又算唔算係入錢?
Yes
好
會睇
會睇
你一開始嚇親我
等hmrc招呼你
每年 ISA戶口供咗幾多都會上報hmrc, 過咗額係等比人罰。
等hmrc招呼你
每年 ISA戶口供咗幾多都會上報hmrc, 過咗額係等比人罰。
上年ib isa放左20k
可唔可以今年開另一間放20k，再將ib原本果20k轉埋過去新果間
可唔可以今年開另一間放20k，再將ib原本果20k轉埋過去新果間
我見Lloyds 有個 2 Year Fixed Rate Cash ISA
(亦有1year揀)
如果我而家開個2 Year Fixed Rate Cash ISA
係咪會用埋我下一年個quota ?
https://www.lloydsbank.com/isas/2-year-fixed-rate-cash-isa.html
睇terms 就好似冇講
(亦有1year揀)
如果我而家開個2 Year Fixed Rate Cash ISA
係咪會用埋我下一年個quota ?
https://www.lloydsbank.com/isas/2-year-fixed-rate-cash-isa.html
睇terms 就好似冇講
得
唔會
請問如果上年 S&S ISA 放咗 20K, 今年開 Cash ISA 又放 + 轉部分 10K (由上年 S&S ISA), 可唔可轉部分還是一定要轉晒?
睇個別公司，有啲唔轉得，有啲要轉晒，有啲轉部分都得
岩岩check左
如果係上個年度放左入去既錢，可以轉一部份
但如果今個年度放左係a想轉去b,就要成舊錢轉哂
所以你呢個case 係ok
如果係上個年度放左入去既錢，可以轉一部份
但如果今個年度放左係a想轉去b,就要成舊錢轉哂
所以你呢個case 係ok
如果我今年開左一個2 Year Fixed Rate Cash ISA,
擺左20000入去
咁下年我仲可唔可以再擺20000入去?
或者再開一個新ISA 擺20000入去?
定係要等個2 Year Fixed Rate Cash ISA完左先?
擺左20000入去
咁下年我仲可唔可以再擺20000入去?
或者再開一個新ISA 擺20000入去?
定係要等個2 Year Fixed Rate Cash ISA完左先?