Consolidating investments - ISAs

[Troubh]

I have

• Trading 212 ISA 6k
• Nutmeg ISA 15k
• old workplace pension with Scottish Widows that I can't transfer to main pension (don't ask) 30k
• current accounts with attached cash savings 30k

I'm keen to keep current account and cash savings as have plans for that money soon. I have some other savings eg in premium bonds so the ISAs are just long term for fun investments. I have a different main pension so this amount is also not that important to me but I'm not exactly rich so still want it safeguarding of course!

My questions are
1 should I transfer Nutmeg into trading 212? I much prefer being able to pick my own stocks and have a mix of trackers and individual stocks.
2 should I transfer my little pension into Nutmeg and keep the ISA there too?

I'm moving overseas soon so won't be able to add any more to the ISAs and trying to minimise the number of accounts I have generally (so want to get rid of either nutmeg or the pension ideally by transferring). I'd get rid of 2/3 if I actually liked the nutmeg platform but I just don't really...

1. Probably. Likely cheaper to use T212 and you get to choose what you invest in. Likely need to transfer as cash from Nutmeg, initialise transfer by requesting via T212.
2. Pension cannot be transferred to ISA. Pension and ISA are different wrappers and are not compatible. Some pensions can be transferred to a SIPP (Self Invested Personal Pension) where you then get to control what it is invested in.

Moving Overseas - be aware that your ISA may not remain tax free. Check how the country you are living in views your ISA, they may tax it.

Thanks both. Yes new country will tax ISA but figured may as well keep it as ISA in case we move back / at least not paying UK tax as well.

Re pension - nutmeg have a personal pension option (which is why transfer pension to them and not trading 212 is an option). But sounds like closing nutmeg and keeping T212 and pension accounts might be best

If you want to keep ISA’s and small pension on one platform with good choice of funds/stocks I would look at moving them all to somewhere like interactive investor or AJBell.