glad you find it helpful.
Yes AJ would be the cheapest option that I have seen. Their platform fee is 0.25% and the HSBC fund is around 0.54% so the total would be 0.79% Vs 1.56% you mention for redrose. This is like 50% cheaper and makes a HUGE difference in the long run. you may find this thread useful on platform fees.Comparing Platform Fees - #10 by Zeeshan
If you do decide to go down this route then pls select the “BC” share class of the HSBC fund as this share class will reinvest the dividends automatically.
Hope that helps.
Regards
Zeeshan