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  • There is no increase in fees.
    You could probably reduce your fees by putting your ii into 212 (I did).

    Ah no, because you have a SIPP not an isa.

    212 has isa and is meant to be bringing out a SIPP at some point but not done it yet. Freetrade would be the one to look at for SIPP. They were doing a decent cash back on transfers but it has finished now I think.

  • Yeah, I won't likely move my ii SIPP, but I need to look to see if I could do a cash ISA in ii for no increase in fees.

    Looks like ii have a cash ISA but it's through some other company, otherwise they do stocks and shares ISA which I'm not interested in, as I want the cash for stuff

  • 212 isa has no fees, so there would be no increase to avoid.

  • The nice thing about PBs is they're usually close to competitive and you don't have to touch them. With things like a Cash ISA you're going to have to check in on it every year and possibly transfer the account when the interest rate drops to something shit like 0.5%. You said multiple times you don't pay any attention to this stuff so I'd check if there's a promotional interest rate term and if there is consider whether you're actually going to bother to move the money around to take advantage

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