Invest and grow your first home savings with a Stocks & Shares Lifetime ISA

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!

Download the app and get started with £1.

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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.

Choose from three simple investment starting options

To help you get started with your investing journey with a Stocks & Shares Lifetime ISA, we’ve worked with experts to put together three simple starting options – cautious, balanced and adventurous.

These starting options are made up of different allocations of a range of tracker funds. Each option includes a global shares funds – you can choose for this fund to be Socially Responsible (SR).

Cautious
  • Global shares / (SR) 15%
  • Global property shares 5%
  • Corporate bonds 20%
  • Government bonds 20%
  • Cash fund 40%
Balanced
  • Global shares / (SR) 65%
  • Global property shares 10%
  • Corporate bonds 25%
Adventurous
  • Global shares / (SR) 80%
  • Global property shares 15%
  • Corporate bonds 5%

See how our starting options have performed

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £8,956 at the end of 2020.

Return per year (%)

Remember, past performance is not a reliable guide to future performance.

All investing should be regarded as longer-term as you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, the iShares Global Corporate Bond fund prior to January 2012 and iShares Global Bond fund prior to January 2012. Source: Morningstar, MSCI

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,302 at the end of 2020.

Return per year (%)

Remember, past performance is not a reliable guide to future performance.

All investing should be regarded as longer term as you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. Source: Morningstar, MSCI

£1,000 invested in 2011 followed by contributions of £50 a month, would be worth £12,960 at the end of 2020.

Return per year (%)

Remember, past performance is not a reliable guide to future performance.

All investing should be regarded as longer term as you may get back less than you invest.

Annual returns are net of fees and based on the scenario of £1,000 invested in 2011 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 Fidelity Global Equity fund prior to March 2014, the iShares Global Property Equity fund prior to October 2014, and the iShares Global Corporate Bond fund prior to January 2012. 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
    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
    Incl. transactions
    0.12% - 0.30%

    Charged directly by fund providers

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. Please note, this excludes investment gains/losses and fees.
  • 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.

Learn about the Moneybox Stocks & Shares Lifetime ISA

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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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