SJP and finding a better alternative

Albermarle

jimjames said:

Jazz8760 said:

I can't seem to find answers with costs incurred if I'm better off staying where I am or moving.  I need to find out what the exit charges are and investing through another FA will incur more costs!    Do I need an IFA? 

Vanguard are not an IFA, they can be a FA as they only sell their own products but generally most people are DIY with them as they only introduced advice very recently.

I believe Vanguard's personal financial advice service has been withdrawn, and now they only offer a very basic kind of  advice for investments in an ISA .
Managed ISA | Vanguard UK Investor (vanguardinvestor.co.uk)

xylophone

money in a ISA account (YBS) that's earring next to nothing.

Why on earth?

YBS have offered very reasonable rates for cash ISAs, particularly for members with a history with the society (loyalty accounts).