Transfer Standard Life pension to SIPP

Snakey

I have a new question. I thought I would keep it in this thread rather than start a new one since it's connected to the discussions we've been having above so even if it might not be relevant to the OP's situation somebody finding the thread in the future might like it.

Having looked up all of my funds now, I see that what I had been calling the "underlying funds" have charges from 0.02% to 1.92%, compared to SL's charges of 1.01% to 1.97% before a 0.7% discount.

(The only ones I can't find are Aviva Property, which links to a full-on brochure in which I cannot see anything about charges, and SL's own Mixed Bond Fund which I suppose doesn't mirror anything.)

If I get the discount on all of the funds - and I don't know how to find out whether I do, have to phone them I suppose - the differentials range from it being 0.65% better (to hold the SL mirror in SL rather than holding the mirrored fund directly on another platform), to 0.31% worse (being the cheapest funds, mainly Vanguard).

So I suppose the obvious question is: assuming the proportions work out OK, why don't I split the portfolio allocation across my pension and my ISA (instead of having separate portfolios in each one), so that I hold the Vanguard ones in my ISA and the others in SL.

To my mind that would reduce the overall charges without any downside.

I would need to re-do it if I wanted to access one pot of money before the other, but since I'll need to move everything from my SL GPP before I can draw on my pension money the current set-up only has a shelf-life of 8-10 years anyway (I'm 47).

Am I missing anything?