Aegon - GIA and Stocks & Shares ISA - Alternatives/Ideas

BigBlueSky · 13 March at 7:10PM

I'm trying to help a family member who is reviewing their investments. They were taken out by their partner years ago who is no longer with us.

They are using the Aegon platform and have the following investments. Identical investments in both their GIA and ISA (although much more being held in the GIA).

27% held within the ISA
72% held within the GIA

Also, they haven't used their ISA allowance in years.

HSBC Wld Seltn - Div Dist Pfl C Inc (29%) - OCF 0.74%
Premier Miton MltAstDist C I£ (25%) - OCF 1.1%
Janus Henderson CtMng I I (22%) - OCF 0.76%
CT MMNavDis C Inc (21%) - OCF 1.45%

Same percentage spread between GIA and ISA.

They are all distributing and they are happy with the income they are receiving from these investments.

I use DIY platforms myself - Trading212, Freetrade, Interactive Investor, iWeb (now Scottish Widows) and trying to help them out as best I can.

I was hoping to get people's opinions on the following thoughts I had about it.

Are these actual investments any good. They will have been taken out years ago and I've never come across them myself.
The fees seem very high for what they seem to be.
If they try and move them from their GIA to ISA they will need to sell in the GIA, pay capital gains tax if over the annual amount, and can then re-buy within the ISA.
Looking at alternative platforms but if they keep these same investments seem to be restricted, as a lot of the no/low cost ones don't offer these, even when they do offer funds such as Freetrade. I'm not sure what the platform fees are from Aegon or their buy/sell fee. Hopefully will get some more information from them to do a better comparison.

I'm interested in hearing other people's thoughts.

Thanks in advance