Any advice on which investment app to choose?

cloud_dog

@EverythingCounts as I approached 'R-Date' my choices came down to 3; Fidelity, AJ Bell, and Interactive Investors. Things / charges may have changed since my review, and my criteria involved investing in non-OEICs, e.g. ETFs where providers can apply a lower cap. You would need to factor in any transaction and/or FX fees (if applicable) to your consideration.

I like Fidelity (other than they are a US company, bah humbug) but they do not offer Gilts, so this may be a factor / consideration for you. I also liked AJ Bell.

Albermarle

https://forums.moneysavingexpert.com/discussion/comment/81990039#Comment_81990039

In any case it looks like the OP will just increase their contributions to their workplace pension now.

EverythingCounts

https://forums.moneysavingexpert.com/discussion/comment/81990018#Comment_81990018

Yes I’m about to look at lowering the risk by moving the pension to into a different fund, something I want to do soon.

Although I am looking to retire in the next 2 or 3 years, I plan to use drawdown and I’m not sure I’ll need to take the 25% tax free sum any time soon. So my theory is the pot will stay invested for a long while yet to ride out any market volatility, but I do feel that I should lower the risk (a bit as you suggest) as once I’ve got a decent sum I don’t feel I need to risk chasing big returns Maybe bring it down to 60% equities.

And yes sorry this has turned into a pension discussion, although it’s been really useful for me, I did start this thread as an investment app question but we’ve got off topic.

EverythingCounts

https://forums.moneysavingexpert.com/discussion/comment/81990050#Comment_81990050

Yes I am in the process of asking my HR dept what I need to do to increase pension contributions.

However the ISA question is still valid as I have some money in other savings that I want to move into an S&S ISA.