Selling without losing isa status

Shedman

You would still be charged @0.35% on everything, but if the IT/Shares/ETF portion was over £12,850 in total then that would hit the £45 cap so that anything in those type of investments over and above that amount wouldn't incur any further charge. 

Obviously the OEICs would still get charged @0.35% regardless of amount held.

AlanP_2

ANGLICANPAT said:

I hadn't planned to still be with  Fidelity  as Im  going to be well over  the amount where I should be looking at  a set platform  fee, ( yet no-where near enough to command  a lower %age) -----but  Ive just moved 2 funds of  OH's  from one platform to another , and it took months ,  and the experience has put me right off for time being . Thought I may as well just  sort out my p'folio   and add both this years and next years  isa money /funds  with a steady platform I so far trust , and worry about moving,  further down the line .

If the longer term plan is to move to a fixed fee platform then why not put this year's / next year's contributions on the new platform and so reduce the amount that would need to be transferred at some point anyway?

PS - Suggestion re using ITs / ETFs may reduce the need to move platforms anyway.

pip895

incidentally, I know it wasn’t part of the question but do you understand why the one fund has underperformed?  Previous performance may not be the best of reasons for swapping out of a fund.  As an example the two better performing funds may have more technology and or less UK - but will tech continue to outperform and or the UK continue to underperform?   Why did you originally have three funds has the requirement changed?

p.s physical etfs are recommended😉

ANGLICANPAT

AlanP_2 said:

ANGLICANPAT said:

I hadn't planned to still be with  Fidelity  as Im  going to be well over  the amount where I should be looking at  a set platform  fee, ( yet no-where near enough to command  a lower %age) -----but  Ive just moved 2 funds of  OH's  from one platform to another , and it took months ,  and the experience has put me right off for time being . Thought I may as well just  sort out my p'folio   and add both this years and next years  isa money /funds  with a steady platform I so far trust , and worry about moving,  further down the line .

If the longer term plan is to move to a fixed fee platform then why not put this year's / next year's contributions on the new platform and so reduce the amount that would need to be transferred at some point anyway?

PS - Suggestion re using ITs / ETFs may reduce the need to move platforms anyway.

Because the new platform was going to be iweb  same as my OH's but my experience with them over OH 's funds was so frustrating  I cant bring myself to commit  to them atm  . I need time to rethink platforms but dont want to  not go ahead with new investment .   I take your point on  IT's  and will probably be using at least one thanks. 

ANGLICANPAT

pip895 said:

incidentally, I know it wasn’t part of the question but do you understand why the one fund has underperformed?  Previous performance may not be the best of reasons for swapping out of a fund.  As an example the two better performing funds may have more technology and or less UK - but will tech continue to outperform and or the UK continue to underperform?   Why did you originally have three funds has the requirement changed?

p.s physical etfs are recommended😉

Shedman - thanks for the clarification . 

pip895      No I dont know why  the  one has not been up to scratch .  My knowledge on investing is limited and only slowly building . I originally took these three out on the Fidelity platform many many years ago  and they were picked at random probably because they were doing well at the time -  Now Im  collecting my various scattered funds together and  looking to re balance  ,none of those  three are low risk  ! Ive only come back to look at investments very very infrequently and just left these  alone as two were quite reasonable , just the one underperforming  and not knowledgeable enough to know how long to  leave such a fund before kicking it out. 
I would put the name of the fund here , but  this morning  for whatever reason,  I cant open my  Fidelity   ISA . It lets me see the summary , but when I click on the isa account  to see the breakdown ,  it just shows me a sheet of  different general information about  Fidelity ??? Never had that problem before  so will have to contact them  if its still the same in an hour or so. 
ETF's I havent looked at closely so no understanding -always thought they were for experienced investors so havent used. 

Sea_Shell

I'm having the same issue with the app too.  It shows the total, but I can't get to the "view all holdings" page.

It was OK on the main website though.     Hopefully just a temporary issue.

ANGLICANPAT

Oh thanks for letting me know Sea Shell,   saves me a call   for now.  Annoying isnt it.   Im on a laptop ,not using a phone .