Vanguard compounding vs £85k safety

J1bber

I have for 5 years used my full £20k ISA allowance which has matured now to about £125k in a couple of Vanguard S&S ISA's. Am now hesitant to add my 25/26 allowance as I'm now getting above the safety net of £85k FSCS. Should I be concerned and start using another institution or should I continue compounding with Vanguard. Thoughts/risks?    

ColdIron

How have your investments 'matured'? How did you get two ISAs?

The compensation scheme operates very differently for investments than it does for cash. It plays no part in my decisions on how much to keep with whom

dunstonh

I have for 5 years used my full £20k ISA allowance which has matured now to about £125k in a couple of Vanguard S&S ISA's. 

Vanguard offer unit linked funds which are open ended (in terms of how long you hold them for).  They are not fixed term deposits.   So, where has the maturity come from if it's not Vanguard?

Am now hesitant to add my 25/26 allowance as I'm now getting above the safety net of £85k FSCS.

Are you referring to the deposit protection scheme or the investment protection scheme?
Are your Vanguard investments Unit trusts/OEICs or ETFs?    (many Vanguard funds are ETFS that do not have FSCS protection).

Should I be concerned and start using another institution or should I continue compounding with Vanguard.

You have £85k protection per fund house.   So, if it really concerns you then use a whole of market platform and use different fund houses.     However, you still have £85k at provider level but its not like deposits as your investments are ring fenced and not spent by the platform.

Albermarle

If Vanguard went bust , it probably means there had been a global nuclear war. At which point you would not be worrying about your S&S isa !