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@grahamsnumber Aldermore 3% instant access (until you make 3rd withdrawal in a year). Don't think the NatWest saver has a maturity date? You could open an RBS current account for their regular saver (same terms as NatWest's afaik).

@dpowerz Yep, just transfer everything to iWeb and pay zero ongoing platform fees. You could always continue buying funds in HL (for no dealing charge), then periodically transfer to iWeb.

@beerandjesus Does your platform support fractional shares? If not, $870 is quite a chunky amount.

@beerandjesus (I didn't look at those links properly yet.) If TER is significantly lower, and share price is lower (can be useful if you're e.g. investing a fixed amount each month) I would probably go for that one. Trading cost is another consideration, on Degiro for example certain ETFs are...

@beerandjesus The link only shows two ETFs for me? Can you post separate links for each ETF?

@sus81 Definitely ask Scottish Widows about that. Vanguard's total fees (excluding fund internal transaction costs) for their FTSE Global All Cap fund for example would be 0.23% + 0.15% = 0.38%. Do you have the exact name of your current funds? Or a link to factsheet etc.? I had a quick look...

@joltor0517 The large weighting to China has really hurt emerging markets tracker performance recently. EM ex-China has probably been doing ok. Just checked VFEM (Vanguard EM ETF), that has a 27.2% China weighting after the China underperformance. Trustnet chart comparing Vanguard VFEM (incl...

@sus81 How much are you actually paying in fees at the moment? Did you ask Scottish Widows? Bear in mind that since your current fund choices aren't on Vanguard and probably aren't on AJ Bell, transferring would involve selling everything and moving cash. During the time out of the market, it...

@hoosierrn HL does cap their platform fee for ETFs. From April you'll be allowed to pay into multiple ISAs each tax year. Once money is in an ISA you can buy & sell as much as you want.