S&S ISA - how much/which platform/combining years/other queries

tel_

Eco_Miser said:

I've never done it myself - I don't do regular subscriptions - but I would have thought the very beginning  of the financial year, and transfer out the now 'previous year' contributions. There's usually a tick box for 'Previous Years only' on the transfer form.

It does sound like it's very similar to when you do Cash ISA transfer from one provider to another.

Thanks for the info Eco_Miser, much appreciated.

tel_

coyrls said:

Both the sending and receiving scheme would have to support partial transfers.  Are these theoretical questions or do you have a scenario in mind? 

So you can't pay into say, a Vanguard LifeStrategy Fund & Vanguard Global All world fund in the same year? Then say at the end of the financial year, transfer one of those funds out (say the LS one) to another provider once you have a large holding in place, but continue contributing to the Global All Cap fund, as you are now contributing to that in the new financial year?

coyrls

Eco_Miser said:

coyrls said:

It's difficult to envisage a situation where you wanted to transfer out to a new provider but continue to use the old provider for new contributions.

One scenario, mentioned in here a few times, is making regular new contributions to a low percentage fee, no transaction fee platform, while holding previous years with a low fixed fee platform  e.g. Vanguard and Iweb.

Before you get into that level of complexity work out the actual £ saving you will make (not %) and decide if it is really worth the hassle.