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  • I’ve not looked around outside of the ISA but they aren’t live prices and overnight, so I’d imagine on a spread is how they make money.

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  • Thanks.

    I pay 1.45% on HL; 0.45 to HL and 1 to the fund I hold, fundsmith.

    I wonder about moving over to a S&P tracker, given it seems to be outperforming funsmith (5y but not 10) and I guess I'm open to more risk.

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