ISA portfolio -good/bad/ugly

MEL1981

Very little knowledge of ISAs but have accumulated the following for long term growth (15+ years). Now we are almost into the new tax year wondering if best to put the next Isa allowance into one of these robo advisors I already have, or open a new fund. Would love to have more knowledge but quite liked the robo advisors to have passive management and spread across regions (unlike my one risky card with all in on one company).

Nutmeg: £35k
moneyfarm: £46k
Cash Isa: £10k
S&S ISA in one FTSE company (previous employer shares): £21k

Retirement in 15-20 years so looking to start to build ISA portfolio by maxing out each year on allocation.

masonic

With those sums, your best bet would probably be to consolidate the S&S with one provider with zero/flat platform fees. Then pick a multi-asset fund aligned with your current level of risk (if you still think it is appropriate. iWeb would be an obvious choice thinking of long term impact of fees. See https://monevator.com/passive-fund-of-funds-the-rivals/

dunstonh

Robos are not the cheapest option (sometimes more expensive than having a full-service IFA) or the best option (depending on your definition of best). They have good apps and remove some of the choices from you. They are pretty good for small values and if you are lazy.

However, you can do things more optimally on the whole of market platforms at a lower cost.