Vicky's story
Vicky makes the most of the HL Lifetime ISA, HL Stocks and Shares ISA, HL Cash ISA and HL Junior ISA to help reach her goals.
Please note: This case study is not personal advice. If you’re not sure what’s best for your situation, ask for financial advice. Unlike the security offered by cash, all investments fall as well as rise in value, so you could get back less than you invest. ISA and tax rules change and benefits depend on individual circumstances.
"I’m a teacher, based in Somerset, where I live with my husband and two young boys.
My experience with HL has been really simple. It’s given me the confidence to take control of my money for me and my family.
I decided to start investing mainly influenced by my family. I opened my Lifetime ISA in my early 20s, which enabled me to buy my first home with my husband by the time I was 30. Without that, it’s not something that we would have been able to do.
I’ve still got my Lifetime ISA. I’ve got my Stocks and Shares ISA, my Cash ISA and my boys’ Junior ISAs. It was really easy once I had one account to open more accounts.
The benefits of the ISAs are that they’re obviously sheltered from tax. It’s not necessarily something I’m worrying about at the moment, but it just seems sensible to make the most of that benefit.
I split my savings between cash and investments – really looking at the long term, in terms of investments, and more short term, in terms of cash.
The Cash ISA means I’ve got access to money when I need it, in case of emergencies. And then the investments mean I could get a better return in the long term.
I mainly use the HL app. It’s really accessible because I’ve got it on my phone.
Within the app, I can track my Junior ISAs for the boys, but also my other accounts.
I can link trusted people to my account. And it’s just a really easy way of having everything in one place.
Having HL as the constant across major life milestones and challenges at different stages of my life has been really important. It's given me the confidence that I wouldn't otherwise have had to manage my money
It’s having a holding hand along the way with the support they offer."
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