Cheapest platform for me?

mose_2

Hi, I currently have £25000 in a vanguard isa £4000 in vanguard sipp and £25000 in dodl sipp. Both vanguard and dodl charge 0.15% fees. 

I buy a fund every week as I’m self employed and get paid different amounts some weeks I pay in £200/300 some nothing so dealing fees for me has to be zero which is why I’m using these two platforms. 

I’d like to move everything to one platform probably vanguard but the fees on £55000 will be £85 odd a year £7 month so was wondering at what point it will be cheaper to move to a flat fee broker. 

The problems I have are none seem to have a flat fee for both sipp and isa together or they charge dealing fees which would not suit me. 

Freetrade have a £9.99 month option but I would need £80000 before that made sense I can’t seem to find any others. 

The other option is to move the isa once a year to iWeb and keep one sipp open? 

Any ideas? 

Albermarle

The providers with cheap ISA's usually then charge extra for a SIPP.
The providers with more expensive ISA's tend not to charge extra for a SIPP ( or not much anyway)

Your current setup seems OK for what you want. Probably not worth changing for what might be just a few pounds a year, if that.

ColdIron

Less than £7 a month with free trades seems a decent enough deal to me. You might save the price of a cup of coffee

boingy

Presumably you are planning on growing the pension significantly in the coming years and some places, including Vanguard, have a cap on their fees so make sure you consider that in your calculations. SIPPs almost always attract fees and your Sipp(s) will, hopefully, be your biggest investment so getting it right is important. You are quite a way from Vanguard's cap but other places may have a lower one.

As for your ISA one option would be to use someone like iWeb, no fees and £5 per trade, but instead of investing every week put the cash into a savings account and invest it once or twice per year. There are plenty of choices for fee-free S&S ISAs so there might be another provider that suits you better.