Excuse the title. I'm looking for advice on funds I should be investing in. I have a modest sum split across a few banks (FSCS limit) and i'm steadily realising inflation is eroding this. I do occasionally need a lot of working capital for my business but i'm thinking the least I could do is max out every years ISA allowance into one of these tracker or index funds. Wasn't it a lot easier before BOE rate fell and you could just about starve inflation off with a steady savings account!

So i've had a quick look at Vanguards website. Sort of understand whats going on with the different funds but will I have to open up a new ISA with them? If so will i still be allowed to keep my existing S&S Isa with halifax? I only use this for a bit of 'gambling' on the odd individual share here and there.

As for risk I appreciate this is an individual decision subject to specific outlook/lifestyle/goals. Im around 30 and as I said am happy to put away 15k (still the ISA limit?) a year into one of these funds and (sort of) forget about it. In the unlikely event I need to sell up everything to release money for myself i'll just have to deal with the consequences - down cycle etc.

So apart from Vanguard, what are the places/funds you lot are using to invest. I want something passive, quite a global outlook, minimal fees and ideally ISA wrapper. Does this mean i'm more suited to a index tracker? Sorry for the amateur questions I bet you're answering this once a week.