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AJ Bell Investment Lifetime ISA

Compare the latest share dealing ISAs

A Lifetime ISA (LISA) is a new way for younger investors to save for their first home or retirement. For every £4 you put in, the government adds £1 – up to a maximum bonus of £1,000 per year.

Lifetime ISAs

Lifetime ISA

from Hargreaves Lansdown

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Over 2,500 Funds, Investment Trusts, Bonds, ETF's or Cash
  • Invest From: £100 single or £25 per month
More Info Show Details

Why we like it: Easy set up in a matter of minutes. Start with as little as £25 and save up to £4,000 per year. Wide choice of stock market linked investments, or can be retained in cash. Fund factsheets and investment tools available. Simple annual management fee of 0.45%. There may be some other charges depending on the investment choices. Hargreaves Lansdown are regulated by the Financial Conduct Authority and are covered by the Financial Services Compensation Scheme. Capital at risk.

  • Open in five minutes
  • Open with lump sum, regular contributions or transfers from existing ISA's
  • Contribute up to £4,000 per year until you’re 50
  • Get a 25% government bonus: For every £4 you invest you receive a £1 bonus
  • Use your savings to buy your first home up to a value of £450,000, or use as retirement income
  • You can contribute to both a stocks and shares Lifetime ISA and a ‘regular’ stocks and shares ISA in the same tax year
  • Must be UK resident aged 18-39
  • If you need to access your money for any other reason, you’ll pay a 25% penalty
  • Annual account charge of 0.45%
  • Dealing and other charges will depend on the investments you choose and will apply in addition to our annual account charge
  • Tax rules can change and their benefits depend on your circumstances. Lifetime ISA allowance forms part of the overall £20,000 annual allowance
Share Dealing ISAs

Share Dealing ISA

from AJ Bell

  • Trade From (frequent trader rate): £4.95
  • Trade From (standard trader rate): £9.95
More Info

Why we like it: Voted ‘Best Execution Only Broker 2020’ in the ADVFN International financial Awards. Place 10 deals or more per month and pay only £4.95 per online deal in the next month. Deal from £1.50 and never pay more than £9.95 per online trade. AJ Bell is one of the UK’s largest online investment platforms with £48.3 billion in assets under administration for 262,000 customers.

Important: The value of your investments can rise as well as fall. You may get back less than you invested. If you’re unsure, we recommend you ask for independent advice.

AJ Bell Investment Lifetime ISA

First-timer or lifetimer?

Start saving for your first home or boost your retirement savings with our Lifetime ISA.

With AJ Bell lifetime stock and shares isa you can take control of your investments in the stock market and protect any profits you make from income tax or capital gains tax charges.

What do AJ Bell Offer?

Every share dealing ISA provider offers something different, so it's well worth doing some background reading before investing. The provider you choose will depend on your personal investment goals, attitude to risk, and the level of control you want to have over your funds.

  • Low-cost - deal from £1.50 and never pay more than £9.95 per online deal.
  • Control - choose your own investments – you make your own decisions and don’t pay someone else to do so.
  • Wide investment range - invest in a wide range of investments including stocks and shares, over 2,000 funds (unit trusts and OEICs), investment trusts and exchange traded funds.
  • Easy to use - view your account online 24/7 and deal on the go with their mobile app.
  • Regular savings - invest from £25 per month using their regular investment service and pay £1.50 per deal.
  • Great service – Will help and answer your queries with two UK-based customer services teams, webchat and email support.
  • Investment content – AJ Bell help you manage your investments by providing a wealth of investment tools, videos, research and for customers with more than £4,000 in their account free access to Shares Magazine.

    • Who are AJ Bell?

    For nearly twenty years, AJ Bell Youinvest have helped people invest in the life they want to live. They are part of AJ Bell, one of the largest investment platforms in the UK, with £44.2 billion in assets under administration.

    AJ Bell Lifetime ISA

    What you need to know

    • If you withdraw any savings held in a Lifetime ISA (LISA), you'll pay the 25% government withdrawal charge – unless you're 60 or older, using the money to buy your first home, or are terminally ill. This may mean you get back less from your LISA than you paid in.
    • You may miss out on the benefit of employer contributions if you choose to save into a LISA instead of enrolling in a pension scheme. Your current and future entitlement to means-tested benefits could be affected, too.

    You’ll need to fund your Lifetime ISA before the end of this tax year or before your 40th birthday, whichever is soonest – otherwise we’ll need to close it. You can fund your Lifetime ISA either by paying into it directly, or by making a transfer from another ISA. 

    Important Risk Information:

    This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future.

    Different types of investment carry different levels of risk and may not be suitable for all investors. Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature. If you are in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.

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    The tech industry has been booming for the past fifteen years; and it seems to be a rollercoaster that only goes up. The tech bubble has yet to burst, with companies coming out with more and more technological developments and consumer demand is certainly not slowing down. So, for the tech-savvy investor who wants to put their pennies behind this strong growing industry, we’ve put together our top three picks for Technology Stocks and Shares ISAs. 

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