Disembarking the Vanguard Ship.

MX5huggy

JISA -£4k in Vanguard Global ESG, fee has not changed but should move to H&L (or Fidelity) any way.

My ISA £27k adding £300 per month, 100% in VHVG, was thinking of doing the Ninja using iWeb, could still do this but only invest 6 or 4 times per year cutting fee to £5 per trade. 

Better half’s SIPP, this is the one that really will be hit by the minimum fee. £900 total value invested in VEVE, plus the income from VEVE because VHVG was not available when set up, intend to change to VHVG. Don’t contribute it it, might if she ended up hitting higher rate tax, used it to avoid HICBC previously but that’s not going to happen unless something drastic changes. Looks like InvestEngine for this and the ISA?

Anything else to consider? 

jbrassy

This has already been discussed quite extensively on the following thread. 

https://forums.moneysavingexpert.com/discussion/6574545/vanguard-new-minimum-monthly-account-charge/p13

Fee changes do not affect Junior ISA, so leave it for now. You can transfer your S&S ISA and SIPP to Invest Engine.

MX5huggy

Yes I’d seen the other thread, I wanted to get specific advice (sorry I mean random thoughts of the unwashed masses) on my 3 particular holdings without picking through pages of speculation on Vanguards business strategy etc. 

Alexland

MX5huggy said:

I wanted to get specific advice (sorry I mean random thoughts of the unwashed masses) on my 3 particular holdings

I had a shower today so might no qualify to answer.

• JISA you know the right thing to do is move to Fidelity or HL. as even if it doesn't save much on a small account how can you sleep knowing an innocent child's money is being wasted? I prefer Fidelity but they are both good options.

• ISA existing contributions looks like a good candidate for iWeb and under the recent rule changes you can simply start somewhere else for the remainder of your contributions this tax year and might as well be InvestEngine. You could put it all on InvestEngine as the account would be within the FSCS protected limit but you may prefer the security of Halifax/Llloyds for most of the money.

• SIPP - again might as well be InvestEngine but they might be swamped with transfer requests.

Don't forget various InvestEngine affiliate signup offers and refer a friend offers if you are not already customers.

https://investengine.com/affiliate-welcome/ (do not use this link to signup as it is incomplete - google search to find an affiliate's longer version. I am only providing this so you can see the offer terms. I am not an affiliate and this is not an affiliate's link)

https://investengine.com/refer-a-friend/ (this is not me offering to refer anyone. I am not a customer anyway)