My husband & I started on our journey towards financial independence at the start of 2018 & after tons of reading, we settled on a portfolio that looks reasonably diversified & that we're happy with. Now to put it into action!
My husband opened an ISA with Vanguard & we've started putting some money into various index trackers within that account. Now I'd like to start getting some cash into some different parts of the portfolio (bonds, a property REIT, an emerging markets tracker etc.) I have an ISA with Fidelity (via Cavendish Online) already, with some money in Fundsmith Equity (have had it from before I realised how expensive active funds were...), so I was planning to buy the additional portfolio elements within my Fidelity ISA for some platform diversification & because some of the funds we want are not available on Vanguard (or cost more on Vanguard).
I know it's very early in our investing journey & I'm trying not to get carried away, but reading about HYP's & Investment Trusts has made me think about some of the other areas (apart from equity index trackers) that I'd like to learn more about & hopefully incorporate into our portfolio one day.
My question (got to it at last) is about how best to manage all this, whilst keeping our money within ISA wrappers? Given that we can each only pay into one S&S ISA per year, it would be great if there was one platform that had all the funds/shares/IT's etc. that we wanted to buy. Although this would bad for platform diversification, it would make topping up, rebalancing & adding different elements to the accounts straightforward. This doesn't appear to be possible though. Fidelity do now offer shares on their site, however at £10 per deal this doesn't seem like a sensible place to start building a HYP alongside our funds.
Is there a better platform that would offer a wide range of funds, shares & IT's, which might be suitable? I'm loathe to go down the route of having multiple S&S ISAs, of which I'd only be able to amend one per year. I've tried comparing platform costs but to be honest it's such a minefield of information I end up more confused. TIA for your help
![Smile :)](./images/smilies/icon_e_smile.gif)