This is Money Podcast Has the cash Isa been saved for good... or is a cut still coming?
10 snips
Jul 11, 2025 The podcast dives into the potential future of cash ISAs after a recent policy shift, questioning if the allowances are truly secure. It discusses Nvidia's groundbreaking $4 trillion valuation and the implications for investors. Partners are encouraged to consider joint finances, stirring up thoughts about transparency in relationships. The episode also debates the privacy concerns surrounding smart doorbells, exploring the balance between security and surveillance. Lastly, it investigates trends in banking strategies, including attractive offers and credit card management.
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Cash ISA Allowance Likely Safe For Now
- After months of speculation, it is now likely the cash ISA allowance of £20,000 will not be cut in the upcoming Mansion House speech.
- This reversal comes after various rumored reductions down to figures like £4,000 or £5,000 failed to materialize.
Cutting Cash ISA May Harm Trust
- Cutting the cash ISA limit could undermine savers' trust and is unlikely to increase long-term stock market investment.
- Many use cash ISAs to protect substantial lump sums or retirement savings, not just to shift money into stocks.
Extend Mortgage Term Temporarily
- When remortgaging to face higher rates, consider extending your mortgage term to reduce monthly payments.
- Use this as a temporary fix to avoid financial strain, but know it increases total interest paid over time.
