Invest in a Moneybox Stocks & Shares Lifetime ISA and grow your deposit for your first home

Invest and build a deposit for your first home with the Moneybox Stocks & Shares Lifetime ISA (LISA). Invest up to £4,000 each tax year and get a 25% government bonus on all savings – up to £1,000 free each year!

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What is a Stocks & Shares Lifetime ISA?

  • Investment Lifetime ISAs are designed to help you invest for your future. You can use a Stocks & Shares Lifetime ISA to put money aside for your first home or retirement.
  • You can invest up to £4,000 each tax year and get a 25% government bonus on all savings.
  • For every £4 you pay in, you get £1 for free. Pay in the maximum of £4,000 per tax year and you'll receive a £1,000 bonus.
  • With a Stocks & Shares LISA, rather than earning additional interest on top of your savings & bonuses, you'll invest your money in funds and grow your savings over time.
  • Both the potential risk and potential reward is greater with investing. It should be regarded as longer term (at least 5 years) and you may get back less than you invest.
  • We are accepting digital transfers from most providers into our Lifetime ISA. Please get in touch with our Support team for more information.

What's in our Starting Options?

We’ve worked with experts to put together three simple Starting Options (CautiousBalanced and Adventurous), including a Global Shares ESG variant for each, so all you have to do is pick one.

Global Shares ESG

Cautious

Aims for modest growth with low-risk investments.

  • Global shares 15%
  • Global property shares ESG 5%
  • Corporate bonds ESG 20%
  • Government bonds 20%
  • Cash fund 40%
Cautious

Aims for modest growth with low-risk investments.

  • Global shares ESG 15%
  • Global property shares ESG 5%
  • Corporate bonds ESG 20%
  • Government bonds 20%
  • Cash fund 40%
Balanced

Aims for more growth with medium-risk investments.

  • Global shares 65%
  • Global property shares ESG 10%
  • Corporate bonds ESG 25%
Balanced

Aims for more growth with medium-risk investments.

  • Global shares ESG 65%
  • Global property shares ESG 10%
  • Corporate bonds ESG 25%
Adventurous

Aims for the highest investment growth by accepting a greater level of risk.

  • Global shares 80%
  • Global property shares ESG 15%
  • Corporate bonds ESG 5%
Adventurous

Aims for the highest investment growth by accepting a greater level of risk.

  • Global shares ESG 80%
  • Global property shares ESG 15%
  • Corporate bonds ESG 5%

Starting Option performance

ESG

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £8,319.52 at the end of 2023.

Graph showing a 3.5% average annual return

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £8,322.07 at the end of 2023.

Graph showing a 3.5% average annual return

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £11,434.90 at the end of 2023.

Graph showing an 8.8% average annual return

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £11,445.38 at the end of 2023.

Graph showing an 8.8% average annual return

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance.
This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £12,287.45 at the end of 2023.

Graph showing a 9.9% average annual return

£1,000 invested in 2014 followed by contributions of £50 a month, would be worth £12,300.44 at the end of 2023.

Graph showing a 9.9% average annual return

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Past performance is not a reliable guide to future performance. All investing should be long term and you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance. This is the case for the Global Shares fund prior to March 2014 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Annual returns are net of fees and based on the scenario of £1,000 invested in 2014 followed by monthly deposits of £50. Where available, returns data for the selected funds have been used. Where the fund has a shortened performance history, we have used the appropriate index to simulate performance.
This is the case for the Global Shares ESG fund prior to December 2018 and the Global Property Shares ESG fund prior to October 2014.

Source: Morningstar, MSCI

Fees

We believe in being fair and transparent, so we've set out the fees you'll pay for our Stocks & Shares Lifetime ISA in the table below.
These fees cover all trading and transaction costs.

  • Monthly subscription fee i
    This covers all investment accounts. E.g. If you have a Stocks & Shares ISA and a General Investment Account, you will pay £1 in total each month.
    £ 1

    Free for the first 3 months

  • Moneybox platform fee0.45%

    Charged monthly

  • Annual fund provider costs i
    Incl. transactions

    There are additional fees charged directly by the fund provider. Please check the key investor information document (KIID) for a particular fund for more information.

What else should I know about the Stocks & Shares Lifetime ISA?

  • You can use the Lifetime ISA to buy your first property up to the value of £450,000 anywhere in the UK. Your account must be open for at least one year from the date of your first deposit before you withdraw money to do this.
  • If you need to withdraw money before this, or for any reason other than buying your first home (up to the value of £450,000) or retirement, you'll pay a government charge of 25% on the the amount you withdraw. This means you'll get back less than you've put in.
  • To open a Lifetime ISA you must be aged 18-39. You can continue contributing into a Lifetime ISA until you are aged 50.
  • All investments held in a LISA are tax-free!
  • You must be a UK tax resident (and non-US person) only.
  • Remember, the value of your investments can go up and down, and you may get back less than you invest.
  • Your investments are protected up to £85,000 by the Financial Services Compensation Scheme.
  • We are authorised and regulated by the Financial Conduct Authority.

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Lifetime ISA questions & answers

Read more information about the Lifetime ISA. If you have any questions, please chat to us in the app or email us via
support@moneyboxapp.com.

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It's important you know

If you need to withdraw money for any reason other than your first home (up to £450,000) or retirement, you’ll pay a government charge of 25% on the amount you withdraw. This means you’ll get back less than you’ve put in.

The value of your investments can go up and down, and you may get back less than you invest. The Lifetime ISA is treated differently for tax purposes when compared to a pension. If you decide to opt out of your workplace pension and instead pay into a Lifetime ISA, you will not benefit from any employer-matched contributions into your LISA and it may affect your current and future entitlement to means-tested state benefits. If considering the Lifetime ISA for the purposes of retirement, we recommend you speak with an independent financial advisor.

Risk Warning

It's important you know

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest.

Risk Warning
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