Parking my native Vanguard ISA/JISAs in ii

SamDude

I want to work out whether it is a good idea to move my ISA and 2x JISAs from Vanguard to ii.
This is based on trying to be more efficient with the percentage/flat fees from different providers.

My current holdings:

• Vanguard ISA: £60,000
  
• Vanguard JISA#1: £22,000
  
• Vanguard JISA#2: £10,000

Mrs Sam also has the following with Vanguard, which may influence the decision:

• Vanguard ISA: £30,000
  
• Vanguard SIPP: £25,000

We pay around £1,000 each month into either my or Mrs Sams ISA, and we pay into the JISAs around twice a year, usually £2000 each for their birthday money and gifts.

The quarterly Vanguard fees in April for our family were ~£54 (or £34 for my ISA and 2xJISAs).
The breakdown is approximately:

• ISA: £22
  
• JISA1: £8
  
• JISA2: £4
• Mrs Sam's ISA+SIPP: £20

All our holdings with Vanguard are in Vanguard FTSE Global All Cap index, and if I move to ii it would be to the same or similar (e.g. HSBC FTSE All World index)

I already have a SIPP with ii and pay £12.99/month for the Pension Builder. If I move to an Investor+SIPP account, it will cost £19.99 - so an extra £7/mth.

On a like-for-like comparision, the Vanguard fees are £11/mth (£34/quarter), so £4 more than the flat £7 I would pay to ii.
Although this is not a massive figure, as the holdings grow I think it is the right time to switch to a flat fee platform.

My plan is to continue paying into the Vanguard ISA (because there are no trading charges for each month), and then once a year I would transfer the ISA and 2x JISAs to ii.

A few things I've considered:
I have looked at iWeb which would be cheaper, but they don't do JISAs so I have had to rule them out.

I have looked at extending the family+friends price to my wife for £5/month. but this has a £30k limit, so she would be moved to the standard Investor+SIPP plan (£19.99/mth) very quickly.

Another peripheral benefit of keeping the Vanguard accounts going is the ability to setup individual direct debits and paying in with different debit cards. This is helpful for various monthly banking incentives...

Are there any flaws or other considerations I need to think of with this plan?

Albermarle

If you do this then make sure you transfer 'in specie' ( means you ask for re registration of the investments rather than transfer in cash )

Transferring in cash is quicker ( in specie transfers can get delayed) but as the annual fee savings are only 0.05% of the size of the funds involved, this could get wiped out in a second in a cash transfer.

I know this is MSE, but personally if I was happy with Vanguard, I could not be bothered to move for such a small amount. There is always the potential for something to go wrong, and end up having to chase things around.

SamDude

Thank you @Albermarle - yes I was intending to transfer it in-specie, so that should not be an issue.

Although I was also considering moving to the HSBC index as it is cheaper and performing 'better' comparatively...
This would also introduce regular in/out events that could wipe the fee savings (and affect the gains).

The combined ISA/JISAs holdings are nearing £100k and I'm minded to keep things how they are for now, but as the Vanguard portfolios continue to grow I'm wondering where the tipping-point is where it becomes worthwhile to move away from %fees as ii doesn't charge anything for the JISAs. £120k? £150k? higher?