NUTSABOUTMONEY
Capital at risk. ISA rules apply. Terms apply. You must be a new customer and deposit at least £100. Added to GIA. The reward can be withdrawn 6 months after it’s credited.
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Lightyear is a slick investment app that's easy to use, has a decent range of investments and low cost. It also offers one of the best rates for saving cash, in both an easy access savings account and a tax-free Cash ISA, which tracks the Bank of England base rate.
Investing wise, you can invest tax-free with a Stocks and Shares ISA, there’s a wide range of investments, and very low fees.
There’s also a General Investment Account (GIA), without any tax-free benefits, but there’s no limits either (such as the £20,000 ISA allowance), and you’re able to store and trade in multiple currencies, and businesses can open accounts too.
Lightyear sounds pretty great right? To get started, simply click the link above, and use the promo code NUTSABOUTMONEY during the signup process.
You’ll also need to add a few personal details to prove your identity, but the signup process is quick, and normally only takes a few minutes. You’ll need to deposit £100 to qualify for the deal. Full terms and conditions are on their website.
And that’s it. Good luck investing!
By the way, did you know that you can have as many Stocks and Shares ISAs as you like? So you can compare all the best investment platforms to find the best for you.
Lightyear is super low cost, there’s no account fees at all (most investment platforms will either charge a monthly fee or a percentage of your investments), and all you’ll mostly pay is a fee to buy and sell stocks and shares (fees in the table below), and a currency conversion fee if you’re investing in stocks from another country to your home country (e.g. buying American companies from the UK after you have deposited Pounds to your account), and this currency conversion fee is one of the lowest out there at 0.35% too.
Note: exchange-traded funds (ETFs) are free to trade.
We really like Lightyear. How can you not when it’s low cost?!
ETFs are completely free of Lightyear fees, and you’ll only pay fees on shares (around $1, or £1), and currency conversion fees when buying foreign stocks (e.g. US stocks), and it’s a pretty low fee (0.35%). You can also hold multiple currencies within your GIA account too, so could avoid this altogether (not the ISA).
If you’re new to trading and investing, it’s a great place to start and learn. It’s easy to use, and you’ll be able to buy the shares you’re after in no time. Plus, there’s a good amount of analysis for each stock too – so you’ll learn as you trade, and find new opportunities too.
The range of investments is good for US stocks, and does include stocks and ETFs (exchange-traded funds) from across the world.
You’ll also get a great saving rate on uninvested cash too – when you’re on the sidelines waiting for a good investment. And there’s a Cash ISA with a top rate.
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