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Our goal is to help you find the best stocks and shares Lifetime ISA
saving for the future you want
See our broad range of LISA deals
Our goal is to help you find the best stocks and shares Lifetime ISA
See a range of different Lifetime ISAs with product information provided by each brand
Click though to make your application and get on your way to watching your money grow
The Lifetime ISA is a government scheme designed either to help you take the first step onto the property ladder – or save for your retirement.
If you save up to £4,000 a year towards a deposit, you get a 25% government bonus. That’s up to £1,000 for free from the government each year you save. Rather than putting your money in a cash saving scheme and earning interest, with a stocks and shares Lifetime ISA you get the chance to invest your money in the stock market.
But be aware that while your money could grow in value, investing in stocks and shares comes with risk, meaning your money could also fall in value. For this reason a Lifetime stocks and shares ISA is more likely to suit those investing for the long term (for retirement) than those saving towards a home deposit.
Compare the investment services on offer, the minimum monthly investment level and the annual account charges and select an ISA provider. Open your account online.
Think about the level of risk you’re comfortable with. Do you want your Lifetime ISA provider to do the fund or stock picking, or do you want to self-select the funds you invest in?
Save or invest £4,000 a year into a Lifetime ISA and get up to £32,000* in government bonus (before any investment growth). Bonuses are paid until you reach 50. *(based on opening a LISA at age 18)
With a Lifetime stocks and shares ISA, there are a range of investment options.
You could invest directly in individual company stocks
A lower cost form of investing – ETFs typically track a particular index or market
Bond funds invest in government or corporate bonds
Choose from a huge range of investment funds to suit your risk appetite
There are advantages and disadvantages to investing in a stocks and shares Lifetime ISA. Here are some things to consider:
The right stocks and shares Lifetime ISA for you will depend on a number of factors, including:
How much risk are you prepared to take with your money? Do you want to pick your own funds or do you want someone else to manage your ISA and make the investment decisions?
Some investment ISAs, including stocks and shares Lifetime ISAs will have a minimum monthly or lump sum investment, so make sure this fits your budget
Check what annual fund charges might be applied on your ISA. Fees and charges can add up over time and start to eat in to your investment returns.
Think about what support you’ll get with your investment. Does the ISA provider offer webchat or can you get help over the phone or on email?
Lifetime ISAs can be a great way to save and invest tax-free for the future. But they come with rules attached. Here’s what you need to know:
You can use some or all of your Lifetime ISA savings to purchase your first home. In many cases first time buyers may prefer to save in a cash Lifetime ISA for this – as there is no risk to capital. Even if you used your LISA to buy your first home, you can still continue to pay in up to £4,000 a year, and earn the bonus, until you reach 50. You can withdraw all your LISA funds once you turn 60.
Just click the button below to see a list of all our Lifetime stocks and shares ISAs
View accounts from leading Lifetime ISA providers and compare the terms
When you find the Lifetime ISA you want, click straight to the provider to apply