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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 AJ Bell

ISA Option
Allows ISA Transfers
Regular Savings
  • Protection Scheme: FSCS
  • Fund Choice: Over 2,000 Funds, Shares and ETF's
  • Invest From: £25 per month
  • Trade From (frequent trader rate): £4.95
  • Trade From (standard trader rate): £9.95

Why we like it: Start from £25 per month and save up to £4,000 per year. Wide choice of stock market linked investments, or utilise online investment ideas. Can be retained in cash. Simple annual management fee of 0.25%. Deal from £1.50 and never pay more than £9.95 per online deal. AJ Bell are regulated by the Financial Conduct Authority and are covered by the Financial Services Compensation Scheme. Capital at risk. AJ Bell Youinvest doesn’t offer advice.

  • Select your own investments, access fund options, or choose investment ideas where specialists do the hard work for you
  • Access your account online 24/7 and deal on the go with the mobile app
  • UK-based customer services team, webchat and email support
  • 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 pay in 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 from aged 60
  • 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 to open
  • If you need to access your money for any other reason, you’ll pay a 20% penalty (25% from 6 April 2021)
  • Annual account charge of 0.25%
  • Dealing and other charges will depend on the investments you choose and will apply in addition to an 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 ISA allowance
  • Tax and Lifetime ISA rules apply
  • If you choose to save in a LISA instead of enrolling in, or contributing to, your workplace pension you will miss out on the benefit of your employer’s contributions to that scheme and your current and future entitlement to means tested benefits may be affected

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:

    The value of investments can go down in value as well as up, so you could get back less than you invest. It is therefore important that you understand the risks and commitments. This website aims to provide information to help you make your own informed decisions. It does not provide personal advice based on your circumstances. If you are unsure of how suitable an investment is for you, please seek personal advice.

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    5 Considerations for Your Next Investment ISA

    15th March 2021

    You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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    We've been comparing and recommending ISAs for many years so you can trust you're in good hands.

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