Assumptions
What this page models
- £20,000 current balance
- Investment type set to shares / ETFs
- £100 monthly contribution, so 12 share or ETF trades are modelled
- No US-stock FX assumption
ETF-only platforms can look extremely cheap because they avoid fund-platform constraints. That does not make ETFs automatically better than funds; it just means the fee comparison should not hide ETF-only providers when the portfolio can actually use them.
The model includes platform, online dealing, and FX fees where relevant. It excludes ETF ongoing charges, bid-offer spreads, stamp duty where applicable, and any market movement.
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.