Assumptions
What this page models
- £50,000 current balance
- Mixed 50/50 investment type: half funds, half shares or ETFs
- No monthly contribution, so no annual trades are modelled
- No US-stock FX assumption
At £50,000, platform-fee structure starts to matter more than headline dealing costs. A percentage platform charge keeps scaling with the portfolio; a flat subscription may become competitive even before a portfolio gets large.
This is still a fee model, not an investment recommendation. It does not judge fund choice, asset allocation, service quality, FSCS coverage edge cases, or transfer friction.
Educational fee comparison only. This is not financial advice, tax advice, or a recommendation to use any provider. Fees, eligibility, investment access, and promotions change; verify the current provider fee schedule before opening or transferring an ISA.