“I just put a little bit of moist ... vermiculite ... in the fridge ... a good rule of thumb is 90 days”
WM
Wyatt McLean
In the Garden with UC Master Gardeners ·
“So I have one. If the withdrawal penalty is 180 days, as long as I've got more than 180 days left, it's probably better to switch across.”
Martin Lewis · The Martin Lewis Podcast · ISAs are changing: what to do now (cash, shares, LISAs) | State Pension Tax Help | Interest rate rises
Play from 28:58
28:58
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What was described
use a rule of thumb to decide when to switch from a lower-rate fixed ISA to a higher-rate one by subtracting the rate gap and comparing it to the remaining withdrawal penalty days
gap 2% (3%→5%); penalty 180 days; need >180 days left to switch; example gap 4% (4%→6%) needs >360 days
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