Ok few questions on the Smart Portfolio 1. If I have an ISA and SIPP is it a single fee calculated across both accounts? 2. Can you easily transfer in from another ISA or SIPP provider? 3. Can you create multiple sub pots, i.e in an ISA have a Aggressive pot and a Growth pot and decide which funds to allocate money to? 4. Basic Rate Tax relief is applied straight away or is applied a few weeks later?