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Once you have invested £100k per fund the it does not matter if it subsequently falls below £100k, I don't think there is a minimum for subsequent investment.

At the cost of a small transaction charge you can hold Vanguard Index Funds at no cost with Halifax Share Dealing.
I have held funds direct with Vangaurd , admin efficiency was not great to be honest and I subsequently sold the holding as part of a realignment of my portfolio.

Capital gains tax is applicable to assets sold outside a tax shelter such as a pension or ISA. I would do a bit of googling to research the topic and ask specific questions on the Taxes Board.
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