正確來講提早拎扣25% charge
e.g. 入£1000, bonus £250, 即戶口有£1250
提早拎扣25%, 即£1250 x 0.75 = £937.5
變左比本金仲少咗
2個讚
所以我同仔女講，諗住在英買樓先好開。或者唔介意啲錢要等到退休先攞都得。
2個讚
網上教，用￡1開戶，擺係度，日後可能用得著
因為policy隨時改，通常開左個d可以照運作，但唔接受新申請
1個讚
FYI kroo 4月開始有3.33%
如果後生，長遠係 uk 生活都值得開
不過係米年年入£4000 就要諗諗，否則係困住 d 錢
一係入£4000算, 根住米鬼理佢當冇
private pension 都係，好猶疑做唔做
佢好似有2種…
rainy 果隻係5%…max 5000鎊
咁就算比佢賺5鎊月費都ok
另外每月入800的戶口, 係3.x%…
如果你有DIRECT DEBIT…2個以上, 可以唔駛比5鎊
呢間好似冇乜地方見過
如果要計稅嘅，3.33 晤高，冇乜吸引力
instant access 喎差唔多最高
natwest 5% 好耐啦
每個月可入 £50 - £150, max up to £5000, 隨時可拎走d錢
高息戶口又如何？max 先得幾千£。唔想交稅就唔可 over £1000, 兩個人先£2000
計埋 isa, 新做得20000. 兩個人一年加埋冇£4000
natwest max先得£5000極少
kroo 係3.33% £85000
chase係 3% £250000
如果 up to £85000, £250000 咁計3, 3.33% 就 ok
但又睇你想唔想交稅
可能交稅都 ok 嘅，反正 d錢坐係到就有，唔使腦力唔使勞力，分 d比英國政府都 ok嘅。
eg 跌£10落黎比£7政府, 自己都重有£3
1個讚
借位問下：
lifetime ISA account 嘅存款 如果存款銀行出事，係咪都受銀行存款保障？
The Financial Services Compensation Scheme (FSCS) protects the first £85,000 of any cash or investments held in ISAs with each separately registered institution.
To qualify, your ISAs must be in a financial company, such as a bank or investment house, that’s regulated by the Financial Conduct Authority (you can check whether yours is here).
If you have more than £85,000 in savings with one institution, or two sister companies in the same group, you could end up out of pocket should the group go bust as the FSCS only guarantees a payout of £85,000.
多謝回覆。
清楚晒。
ISA 也有提供不同投資組合似一般投資戶口，唔需要鎖死d錢，只不過就冇life time ISA 嘅bonus. 有閒錢咪開嚟玩吓, passive fund FTSE100
我一來到就喺匯豐開咗個普通嘅ISA賬戶, 但我已過70, 所以唔能開後生嗰隻, 但開咗就發現佢啲利息都幾好, 個個月都有幾十鎊入賬, 點都好過齋擺儲蓄戶口(都有利息, 不過就少啲)
1個讚