STOCKS AND SHARES LIFETIME ISA FINDER

 

Before you do anything...

⚠️ Risk 

First things first..when you invest your capital is at risk. This means that just as you can make money, you can lose it too. This is why we're advocates of long term investing as it allows you to ride out bumps in the market and reduce your chances of losing money. 

 

✅ The Checklist

Before you make any moves towards investing please make sure you're in a solid financial position. This means having an emergency fund in cash to tide you over in an emergency and a basic understanding of how investing works. You also want to stay invested for at least 5 years ideally, so this means you need to be able to keep your hands off your invested money.

🏫  For more on investing, take a look at the free masterclass below. FYI, We're advocates of long term investing so this isn't for aspiring Instagram trader bros. The masterclass was produced in collaboration with an independent financial advisor but isn't financial advice. It's helpful guidance (we hope!)

Quick Look

Ethical Investing

Mobile App

Minimum investment - under £500?

Provider
Lifetime ISA (S&S)
Ethical Investing
Mobile App
Minimum Investment
Total Fees
£500 S&S ISA, £100 Lifetime ISA
0.49% - 1.13%
£1
£1 per month + (0.57- 0.75%)
£100 or £25 a month
0.45% + dealing/other charges

🔔 With investing, remember that the value of your investments can go up and down, meaning you can lose money. This is why investing for the long term is important.

LISA rules apply.

 
Go Fund Yourself, Personal Finance UK, Personal Finance app, Personal Finance Book, Guide to Money, For Beginners, For Dummies, Pensions, Investing

🎉 6 MONTHS FREE PORTFOLIO MANAGEMENT. T&Cs apply

Perfect for

Newbie investors wanting choice 🍃✨

Trustpilot

🌍

Ethical

Investing

📱

App friendly

👇🏼

Minimum investment

£500 S&S ISA, £100 Lifetime ISA

💸

Total % fee

0.49% - 1.13%

⭐️⭐️⭐️⭐️4.2

Overview

📈 Investing into funds made super easy

😀 Lots of investment options: Pick your risk level

🌎 No bad guys - Ethical investing available

Costs

The Nutmeg fee depends on whether you go for a fully managed (0.75%*), fixed allocation (0.45*) or socially responsible porfolio (0.75%*) *assuming a portfolio of £100k or less

+ 0.17-0.31% in fund costs

+ 0.07% in market spread effect (basically, the difference between the buy price and the sell price, a normal cost you incur when investing)

Investment options

    Socially Responsible (10 risk options)

    Fully Managed (10 risk options) - The Nutmeg team monitor your investments

    Fixed Allocation (5 risk options) - Not monitored. Reviewed once per year but rebalanced automatically.
Go Fund Yourself, Personal Finance UK, Personal Finance app, Personal Finance Book, Guide to Money, For Beginners, For Dummies, Pensions, Investing

Perfect for

⬆️Those that want to round-up their purchases

Trustpilot

🌍

Ethical

Investing

📱

App friendly

👇🏼

Minimum investment

£1

💸

Total % fee

£1 per month + (0.57- 0.75%)

⭐️⭐️⭐️⭐️4.4

Overview

🌳No bad guys - Ethical investing available

📱Great app with friendly UX

⬆️Nifty round-up feature

Costs

Pay £1 a month subscription fee
+ Moneybox platform fee of 0.45%
+ Annual fund provider costs 0.12% - 0.30%

Investment options

    3 risk levels: Cautious, Balanced and Adventurous.

    Invested in 5 funds.

    Socially responsible option.
Go Fund Yourself, Personal Finance UK, Personal Finance app, Personal Finance Book, Guide to Money, For Beginners, For Dummies, Pensions, Investing

Perfect for

🍬 DIY investors wanting to pick their own funds and investments. The pick n' mix option of of the LISA world

Trustpilot

🌍

Ethical

Investing

📱

App friendly

👇🏼

Minimum investment

£100 or £25 a month

💸

Total % fee

0.45% + dealing/other charges

⭐️⭐️⭐️3.4

Overview

👍Loads of choice and a great app

🌟Not the cheapest of all the fund supermarkets but it's a slick operation with plenty of support

🤓Guides and investment research for those wanting to learn more about the DIY approach

Costs

💰The annual charge for holding investments in a Lifetime ISA is 0.45% but remember that there will be dealing charges and other costs depending on the investments you pick

Investment options

    Invest in a fund - HL have a 'wealth shortlist' of funds which might be a good place to start.

    You can also invest in individual companies

Perfect for

Trustpilot

🌍

Ethical

Investing

📱

App friendly

👇🏼

Minimum investment

💸

Total % fee

Overview

Costs

Investment options

 
 

INVESTING MASTERCLASS 📈

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Things to note...

1) This page in unbiased. We've searched high and low for the UK's simplest investing platforms and compared them for you here. This information is updated monthly so there might be inaccuracies. 

2) This page is for informational purposes only and is not financial advice. When you invest, your capital is at risk which means that just as you can make money, you can lose it too. Tax treatments apply.