The Lemon Fool

Parky wrote:On the factsheet you linked to there is a statement "This fund can be held in an Investment ISA, SIPP and Investment Account".

funduffer wrote:My question is, can funds like these be held in an ISA, and if so, do they count as a cash ISA or a stocks and shares ISA?

Thanks for any insights.

FD

gpadsa wrote:for premium bonds could calculate the dealing cost as the interest lost in the month that the saving is not entered in the draw
gpadsa

londoninvestor wrote:The loss of interest this way on Premium Bonds can be minimised if you time your deposits and withdrawals for the end and start of the month.

When your Premium Bonds will go into the draws
In most cases, you’ll need to hold them for a whole month before
they’re eligible for the prize draw. For example, if you buy Premium
Bonds any time in November, they’ll be in the draw in January.
If you buy your Premium Bonds by automatically reinvesting your prizes,
they’ll be in the draw the next month. For example, if you win in the
November draw, then your new numbers will be in the December draw.
Once a Premium Bond is eligible for draws, it will take part in each month’s
draw provided you still hold the Bond on the first day of the month.

gpadsa wrote:left out the comment I meant to make: as many people get paid toward the end of the month they would be able to put some cash into PBs before the end of the month as londoninvestor suggests

gpadsa

Gerry557 wrote:I know you said you wanted tax free but some regular saver/cash savers offer much better rates even after tax than ISA rates. Might not suit if you are a high rate tax payer.