I’m still thinking about switching my account to an ISA even though I’m only investing a very small amount each month about £30 to start with. Had pretty much decided to hold off as the monthly fee would cancel out any earnings but now I’m reconsidering to avoid any issues down the line, ‘future proofing’ as you put it.
I’m also doing £30 a month
I’ll have to have a think again on the ISA, but I still feel as if it may be overkill for the first year or two of investing. Happy to hear arguments otherwise though.
Usual caveat applies - tax rules can change in the future…
The £3/month charge. Build up a decent sum in the General Investment Account then sell / buy into an ISA.