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  • Have seen so much negativity around the Vanguard fee change in FI groups. Really stupid. They won't make much money on accounts below 32k anyway and it will deter younger/newer people (potential high earners of the future) going and growing with them.

    Assuming less than £32k in an ISA account and pay by DD, will it just auto change to £4?

    I was also wondering about moving stuff out. do you have to sell everything and be out the market for a few days - potentially bad - and rebuy with new provider?

  • If it was me, I would find a cheaper platform that has Vanguard funds, if they are the ones you hold, transfer in specie and there is no time out the market. If you hold a fund the new platform doesn't provide, switch on vanguard (for free I think) to a more common one they do provide (with a similar profile) and transfer in specie.

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