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There is a drawdown fee of £10 per month which includes regular payments and is payable even if ‘nil’ income is selected in any year. Capped at £100 for Sipps for shares, ITs and ETFs, £9.95 (£4.95 if 10+ trades occurred last month), Admin fee waived for sums above £30,000. For Sipps, Isas and standard accounts, its investors pay a 0.45 per cent fee on their total fund investments up to £250,000; 0.25 per cent to £1million, 0.1 per cent to £2million and nothing above that. Some platforms offer free trades for funds but not for investment trusts, ETFs, shares and directly traded corporate bonds. Hargreaves has its very influential Wealth 50, a range of Master Portfolios, and its Portfolio+ service to make investing progressively easier and more hands off. Dividend reinvestment costs 0.5 per cent per transaction (min £1). A fee for transferring money into or out of a Sipp might also apply.

This discounted cost scales down from £8.99 to £7.49. Fidelity offers a very useful service.

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And beware exit fees if you decide to leave.

Halifax charges £12.50 for occasional fund and share trades, but this falls to £2 if you choose the ‘regular investor’ option and agree to invest at least £20 a month. However, for non-fund holdings in Sipps, such as investment trusts, shares and ETFs, this is capped at £25 per quarter. The HL Multi-Manager and Select Funds are run by our sister company HL Fund Managers Ltd. HL plc shares are held in both the Lindsell Train UK Equity and Lindsell Train Global Equity funds. BestInvest is a good option for fund investors looking to take advantage of its research and lack of dealing charges.
Fund dealing costs £1.50, while share, ETF and investment trust dealing incur a £9.95 charge - or £4.95 if you have traded 10 times in the previous month. The admin fee is £45 up to £7,500 per year or 0.35 per cent if you have a monthly regular saving plan. Buying funds through the platform is free but sales command a £10.99 charge. If you're not comfortable with this then a stakeholder pension, which offers a simple plan with limited investment options, could be a more suitable option. Use this to the maxmimum and monthly plan charges are as little as £2 but Sipp investors must factor in the extra £10 that takes it up to £12. It does come with lots of bells and whistles, including a very good app and portfolios for easy investing.

You could leave money in your pension untouched and make withdrawals when you need to. Those looking for an advice-rich service that is price-competitive but not the cheapest around.

With each plan you get £7.99 of trading credit per month, with different charges to buy or sell applying.

All rights reservedMoneyWeek and Money Morning are registered trademarks. There is no charge to enter drawdown or withdraw cash as a UFPLS.


What you intend to buy and how often, as well as the size of your pot will decide what is right for you. If another charges less to transact your chosen method/s of taking income at retirement, transferring could be the most economical option. How much data does a smart meter share and what does it reveal about you? Some platforms charge an additional fee to administer a Sipp account.

Some Sipp providers negotiate cheaper fund deals for their investors.

The trade-off is the opposite can happen if your investments take a turn for the worse. DIY investing platforms offer a range of online Sipps to investors, who can buy and sell investments from their computer - or even mobile phone - monitor their portfolio and benefit from pension tax relief. To find the best Sipp provider for your personal circumstances, you must consider more than just cost. Please remember, once in a pension, you can't normally access your money until at least age 55 (57 from 2028), up to 25% usually tax free and the rest taxed as income.

the views of the author. Important information - Before investing you need to be aware of the risks, in particular that investments can go down as well as up in value, especially over the short term. For higher rate taxpayers paying 40 per cent or even 45 per cent income tax, this is very beneficial. The platform is good for stock pickers who reinvest dividend shares, trusts or ETFs and investors looking for a variety of investments, with some good analysis, tips and advice. It has an app but this has poor ratings online. The platform offers a £75 plus VAT annuity purchase service.

This is the cost of having an account. The platform has no dealing charges for funds and standard share and investment trust dealing cost £7.50. See our charges. [More details on Interactive Investor]. The platform does not facilitate annuity quotations and purchases. You're not limited to one method when it comes to accessing your pension.

The Halifax Share Dealing and iWeb platforms are run by Halifax. The way this platform levies fees to invest regularly, trade funds and reinvest dividends could suit those who actively chop and change investments.

[More details on Charles Stanley Direct]. James Hay charges £179 on top of a yearly platform fee of 0.25 per cent on sums up to £300,000, 0.20 per cent on the next £300,000 invested, 0.15 per cent on the next £400,000, 0.05 per cent on the next £500,000 and nothing over £1.5million.

investments are right for you, please request advice, for example from our, Legal & General International Index Trust (C), Royal London Sterling Extra Yield Bond (Class Y), Register for online Interactive Investor introduced new monthly fee plans in June 2019, ranging from £9.99 to £19.99 per month but with an extra £10 added for Sipps. The flexibility offered by Sipps is a major lure, but it does mean that the responsibility of picking investments to generate retirement cash will rest solely on your shoulders. Thanks to pension freedoms implemented in 2015 there are now four ways in which you can access your retirement nest egg once you reach the threshold age of 55 (expected to rise to 57 in 2028). ... could leave you chasing returns by moving out of one fund and into last year’s best performer. [More details on James Hay Modular iPlan].

It offers a proven popular service weighted towards funds but with access to investment trusts, ETFs, shares and the corporate bond market under one roof.

The best stockbrokers and fund platforms for an Isa or Sipp ... is set to launch a self-invested personal pension (Sipp) with an annual fee of just 0.15% ... 15 Mar 2019.


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