And yet another ISA query!

TUVOK

I don't think it's just me as friends and family find ISA's difficult, many avoid them at all costs.
I  even after many years of cash ISA investment find the transfer etc of cash ISA's to S&S ISA'S difficult in some respect.
So can you transfer one holding, of say LTGE you hold with HL and transfer it to Fidelity?

masonic

I find capital gains tax calculations more difficult than ISAs.

ISA managers are not required to support partial transfers, but if they do then the answer lies within their transfer form. What you suggest is potentially possible, but it is not necessarily allowed by both providers.

underground99

TUVOK said:

I don't think it's just me as friends and family find ISA's difficult, many avoid them at all costs.
I  even after many years of cash ISA investment find the transfer etc of cash ISA's to S&S ISA'S difficult in some respect.

What respect? You just fill out a form to tell the receiving S&S ISA provider the details of the cash ISA that you want to transfer to them, and they go and get the money for you.

So can you transfer one holding, of say LTGE you hold with HL and transfer it to Fidelity

Some S&S ISA providers don't support partial transfers out, only allowing all or nothing. But if you only have one holding, that would seem to be straightforward.

Not every platform offers every class of shares issued by a fund. For example if you hold Lindsell Train Global Equity at HL it will likely be Class D which has a specially negotiated lower management fee than the standard class (OCF 0.50%). However, Fidelity only offer the normal clean class B (OCF of 0.65%). If you want to hold the fund in Fidelity a share class conversion would need to happen as part of the process.

You would find the transfer would go through quicker if you sold and transferred the cash and re-bought at the other end, but then you'd be out of the market for a bit while waiting for it to happen.