The dividend process is something the team are planning to improve, itās a bit patchy at the moment. I havenāt had my dividend in my ISA yet.
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Hi , thanks for your reply.
I opened the GIA account as a get started see what its all about type thing.
I am enjoying the new venture and i am currently selling up the few shares i have in the GIA account.
I am selling when they move into the green and not in any hurry to sell until this happens. In the mean time i am creating a copy of the GIA in the ISA and adding to the ISA.
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Thanks for the info.
Payments must be slow and should show up at some point in my other account.
Thanks again.
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Good plan. Its sounds like youāve made a commitment to your ISA which is probably one of the best things you can do. Next goal try and max it out each year!
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Newbie here looking to invest in some ETFs. I have a few in my watch list that I havenāt invested in yet as Iām unsure what the best strategy would be.
I currently have a small holding in FTSE 100 the rest on my watch list are:
Ā£VUAG
Ā£VWRL
Ā£VFEM
FTSE dev Europeās ex UK
Iāve seen in other threads about overlapping etc, would this occur much on these. Any advice would be welcome as Iām trying to learn.
Also is there a particular strategy for investing more in one than the other or equal? Or is that dependant on personal sector interest.
TIA
Hi @Plumplum1
It depends on how complicated you want to make it really?
If you want a globally diversified portfolio youāll find many investors with the vast majority of their portfolio in VWRL. Itās cheap and contains over 6000 companies.
Would there be any benefits to opening a GIA account before an ISA account?
Can someone just confirm something for me please regarding the ISA. Itās obviously Ā£3pm and thatās not an issue, I just want to check, is this Ā£3pm charged as a direct debit from your current account? or is it charged to your ISA account (e.g. if I have Ā£250 in an ISA account does Freetrade take Ā£3pm from said Ā£250?).
Looking to open up an ISA and just want to check the costs involved.
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The Ā£3 is taken by card payment each month for the ISA account.
I started off with an isa account. Didnāt necessarily start with a large amount but I suppose it depends on how much your planning on adding in to it & whether youāll be staying within the allowance. It also saves you a job of switching over if it did get to that point. Saves you Ā£3 a month!
Apologies, I feel like Iām being a bit dense hereā¦so what youāre saying is it would come out of my current account every month?
My idea would be long-term for this ISA account, I wouldnāt be putting in a huge amount every month (maybe Ā£100-Ā£200 each month) but I donāt want to get to a point in 10-15-20 years time where I might be going over the limits and start paying taxes. No one wants to pay taxes when you donāt need to!
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Thats correct , basically the same as say a Spotify or Netflix subscription.
I plan to use my ISA in a similar way due to other financial commitment. Longterm i hope this will make life simpler.
Great, thanks for explaining that to me, I did think that would be the caseā¦but just wanted to double check!
Anything to save me some hassle in the future!
Hi, I recently opened a GIA account and now Iām thinking about opening an ISA Account, will my shares in the GIA move to the ISA ?
Thanks in advance
Hi @Buzz
UK rules are that only cash can be paid into an ISA. Youād need to sell your positions in your GIA and rebuy them in your new ISA. I believe support can reset the buy price for your holdings to keep the same profit/loss.
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Thank you NeilB how do I get the support?
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If youāre a :plus_: user then live chat in the app. If not then email hello@freetrade.io
Donāt quote me on it but I think it could be done.
Digestible for someone who doesnāt know a great deal, I know the basics 
How do I start a post rather than just replying to something? Not obvious to me.
