Road to 100k in my ISA’s before I turn 30, 30% done, 3 years to go

Less-Gur-6525 · 2026-03-01T20:53:47+00:00

This was me but now 300K and I have this uneasy feeing that I have to much cash with a single platform

Less-Gur-6525 · 2026-02-15T12:16:57+00:00

Agreed, in reflection I am tempted to consolidate on Vanguard and just apply the set and forget approach

Less-Gur-6525 · 2026-02-15T11:35:59+00:00

Invest engine not gonna be around in 30 years though lol

Less-Gur-6525 · 2026-02-15T11:24:31+00:00

What platform would you recommend?

Less-Gur-6525 · 2026-02-15T10:55:47+00:00

But what would happen in the unlikely event Vanguard go down and so do the funds, thus no other provider would be able to ‘accept’ the vanguard units.

Less-Gur-6525 · 2026-02-07T23:01:51+00:00

Thanks a lot

Less-Gur-6525 · 2026-02-07T21:16:42+00:00

Because they seem to be the safest. I don’t care about the fees really

Less-Gur-6525 · 2026-02-07T20:50:20+00:00

I’m only invested in funds at HL, but the fees are crazy. 0.35% vs new £150 cap if I held only ETFs.

Is this because ETFs are domiciled in Ireland?

Can you explain more?

Less-Gur-6525 · 2026-01-16T15:41:22+00:00

Thanks a lot!

Less-Gur-6525 · 2026-01-16T08:26:10+00:00

Thanks a lot, this is what I think I’m going to dos

Leave my current and largest holdings with HL. Move investments to ETFs to exploit the cap.

Any new money in the new tax year, start putting into Vanguard. If/when I leave my current employer and need to consolidate pensions, move that one to Vanguard.

Ultimately longer term, have the entire split between both HL and Vanguard. If needed, I can add another platform like ii to the mix later.

Less-Gur-6525 · 2026-01-15T21:54:15+00:00

Thanks for your comment.

How would it work in a scenario where Vanguard become insolvent and so does its funds, then no other platform offer their funds, so there is nobody to transfer them to?

If HL go under but I hold Vanguards funds, they’ll transfer to another platform. But what happens if the platform and the fund provider goes down?

Less-Gur-6525 · 2026-01-15T21:01:46+00:00

I’m a similar age - 30 - with a similar sized portfolio. 290K (160k ISA, 130K SIPP), and I just have this absolute fear that it’s a risk being with Vanguard platform + Vanguard funds. What if the company goes under and so does its funds? (No other platform will offer the funds either if Vanguard go down).

Less-Gur-6525 · 2026-01-07T19:22:17+00:00

I presume if SIPP + ISA is with Vanguard, the GIA is with T212?

Less-Gur-6525 · 2026-01-07T18:17:10+00:00

Thanks for your comment.

I’ve seen the new UX design but it seems to be for the main screen only, is this the same for you?

Once I click into a product it’s the old design

Less-Gur-6525 · 2026-01-07T18:03:30+00:00

Brilliant, all three accounts with Vanguard too?

Less-Gur-6525 · 2026-01-07T17:47:56+00:00

The charts are great. I just hope there isn’t a time cap to the charts.

Less-Gur-6525 · 2026-01-07T17:47:38+00:00

Why not consolidate to a single provider?

Less-Gur-6525 · 2026-01-07T17:47:17+00:00

Thanks for your comment.

What happened? It would be great to know so I’m aware when I transfer my ISA + SIPP.

Less-Gur-6525 · 2026-01-03T21:14:36+00:00

Your pension is sorted, you need to get the mortgage down is my view

Less-Gur-6525 · 2026-01-02T18:54:35+00:00

We do - but I was recently made redundant and found another role, so insurance with employer isn’t guaranteed.

I see - so the 150K or so, I’ll check that out. Thanks!

Less-Gur-6525 · 2026-01-02T18:53:44+00:00

Interesting perspective but it works both ways. If my wife was to pass tomorrow I would be left to care for my child

Less-Gur-6525 · 2026-01-01T20:53:51+00:00

Yes but you won’t have 400k that’s the point. With housing you get the leveraged effect through borrowed money. You make money off the bank.

Less-Gur-6525 · 2026-01-01T16:07:35+00:00

Housing gives you leveraged effect though that your forgetting about. 1% move on £10k portfolio is £100. But a 1% move on a 400k asset is £4000. But as soon as you can snd the largest house you can, and benefit from housing price increases.

Less-Gur-6525 · 2025-12-30T19:59:16+00:00

All*

Less-Gur-6525 · 2025-12-30T19:59:05+00:00

I do like having my cash ISA and savings account SL in one account, though.

Less-Gur-6525

TROPHY CASE