Relatively small Vanguard S&S ISA; where to move to now?

[IndustrialActionAhoy]

I've got a relatively small Vanguard S&S ISA, so I'll be hit disproportionately by the change to their fee structure.

I chose the FTSE Global All Cap Index fund, and this has done well recently - I currently pay in £150/month. I just wanted to set this up and forget about it!

Id probably like a reasonably well established platform, and the same or a similar fund. I know I can read around etc. (and I will), it's just that I thought I'd done that a year or so ago, and that I could relax for a while.

Does anyone have any comments or pointers?

As noted above, I've used Fidelity for many years. Fees are low, though not the cheapest, and they have a good website and huge fund availability.

I'm tempted by something established like Fidelity. I think the newer companies will increase their fees when their start-up money runs out.

I was wondering about Hargreaves and Lansdowne, but they haven't come up on this thread. Gas anyone got any experience of them, or any thoughts?

I also have a relatively small amount in the Vanguard Life Strategy funds. Need to decide where to move this but am also clueless. I don't invest monthly so just have a lump sum to move and want it to be simple - watching for any tips/information.

On the radio yesterday I heard an economics person talk about potential problems in the American bonds market because of Trump. Anyone know what this means?

I cashed out my Vanguard and am looking for somewhere new to put it. I was thinking of Invest Engine after seeing the comments on MN.

May be try Trading 212

I think service fees for Fidelity are about double that of Vanguard for smaller amounts, unless you invest in a regular savings plan.

Does anyone know why accounts like Monzo s and s isa are said not to be good by the article linked above.

What is the difference in fees from say T212.
I am moving out of vanguard.

I am very confused.

I believe Monzo S&S ISA is a managed account, with only 3 fund choices (according to your risk appetite).
Managed funds are typically more expensive than tracker ETFs, as you are paying extra for the fund managers expertise (BlackRock in the case of Monzo).

Over time, managed funds very rarely beat a similar tracker index in terms of returns, but they might show less volatility in the shorter term.

Monzo's fees on £10K investment would be £59 per year which is pricier than Vanguard.

Thanks @freemoneyalwayswelcome

Would it be better than a standards savings though?

It depends on what you mean by 'better'....

Risk to losing some of the capital - Savings are the safest option, as investments can go up and down in value.

Growth outpacing the effects of inflation over the longer term .... I would say low-cost index tracker funds would more often beat a managed fund, because managers often cannot better the index, and the impact of their higher fees has a dampening effect on overall returns.

Better in terms of lower volatility - probably a managed fund, or a short term money market or bond tracker. Often managed funds will invest some percentage in fixed income investments such as bonds. (This becomes more important as you approach retirement or need a stable income in retirement). Growth is very unlikely to keep pace with an index tracker over time, and often by quite a wide margin.

This is why it's important to know your own investment goals and attitude to risk.
I'm not a financial adviser so do your own research. Just my own experience.

You might find this YouTube series helpful - it's the clearest one I've found for explaining a simple effective investment strategy.

r

@freemoneyalwayswelcome
Thank you so much.

Worth pointing out that the minimum £48 a year fee for the Vanguard platform doesn't apply to its managed funds, or to the Junior ISA. (It is actually reducing its fee for its managed funds).

....Sorry that should say Vanguard minimum platform fee does not apply to its managed S&S ISA.

Fidelity Index world ( no emerging markets) and HSBC All World index ( includes emerging mkts) are both good, low cost funds if you want to avoid Vanguard funds.

I actually want to avoid the Vanguard platform, but invest in the same Vanguard fund.

Ahh ok. Both the funds I mentioned are cheaper than Vanguard however.

Thanks @BorgQueen 🙂.

I was waiting for Rebel Finance's video with some info, but I don't think it's been released yet.

Try Dodl by AJ Bell very simple app based platform with the HSBC All world fund as a global tracker option

The much awaited take on the platform.choices from the Donegans has just landed- https://rebeldonegans.com/blog/uk-investment-platform-review-2025/?fbclid=IwY2xjawIIuW9leHRuA2FlbQIxMQABHWOY8LXyD6_8_lZ_o783PLVrHVIARLR7yJJYHUF20R68ljMIbWLJYG3pgw_aem_qwpIU0VM7u17aajg7qnFzA

Oh, thanks @Medee!

Thanks @Medee - as a small investor in an ISA it looks like the choices they would recommend are possibly T212 or they would just stay with Vanguard. For me, I think I will probably just stay with Vanguard, I might move my pension over there as well, it's currently with standard life. Not too sure for adult DD who has less to invest, I might suggest she moves to T212, that then becomes another thing to do and in reality another platform for me to learn, so I don't know, we'll probably do nothing there too!