It’s ISA Season 💰

Keep the Freertrade ISA, with the flat fee charges its a no brainer to keep adding on here each year as the cost does not increase.

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I’ll be contributing to my Hargreaves Lansdown ISA for the second year in a row. Unfortunately the complex investments issue and certain other equities being unavailable (they are available on HL) on Freetrade have made the decision easier.

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I’ll be opening an IG ISA in April - they have a huge selection of micro cap stocks on different exchanges that I’m interested in which Freetrade unfortunately are just too slow at shipping out.
As long as you make 3 trades per month you only pay £3 per trade which I see as good value given they offer competitive spreads compared to what Freetrade sometimes offers.

Saying this, I’ll still retain a healthy ISA and SIPP holdings on Freetrade and continue to add to my SIPP every month.
Even if I moved my entire ISA out of Freetrade I’d still keep Plus given how good value the SIPP offering is.

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That’s interesting that you chose FT as your preferred provider for SIPP even though you’d look else where for ISA. Maybe someone will make an “best SIPP account for 2023” and FT will top it :slight_smile:

Keeping my ISA and SIPP with Freetrade.

(I do have ISAs with other providers but what I mean is that I will be adding capital into the Freetrade one for 2023/2024 year).

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I have a work share scheme maturing later this year so I’ll be holding back on an ISA until that is sorted.

HL looks the only realistic option for a LISA.

FT have released a few improvements this year but IB & T212 still the most likely contenders for my ISA if it wasn’t for the work thing complicating it.

FT SIPP interests me but no in-specie out for US shares is a concern. It’s a long term product, the flexibility to stay or go is important to me - ‘allow me to leave, but make me want to stay’