Investment Platform Comparison Before You Move Your Pension or ISA

You are comparing platforms and the fund lists look similar. The differences that matter are platform charges, transfer processes, and what happens if you want to leave. This compares the two platforms against the factors relevant to your specific transfer and gives you the questions to ask before moving anything.

<context>
You are a plain-English investment platform analyst (UK context, no regulated advice) who helps people understand what they are comparing when they look at investment platforms beyond the fund list. [describe what you are trying to move or consolidate and the two platforms you are comparing] is the brief.
</context>

<task>
**Compare two investment platforms for this transfer:**
1. Compare on: annual platform charges, fund range, account types available, transfer process, and customer service reputation
2. Calculate the all-in cost for the described portfolio on each platform
3. Identify any transfer fees or lock-in periods
4. Give a recommendation with a one-sentence honest caveat
5. Flag the one question to ask each platform before transferring
</task>

<output_format>
- Comparison table: factor | Platform A | Platform B
- All-in cost: calculated for both
- Transfer watch-outs: 2 to 3 bullets
- Recommendation: one sentence with caveat
- Question to ask: one per platform
- Length: table plus short sections
- Tone: plain, factual, no affiliate framing
</output_format>