We don’t support this browser anymore.
This means our website may not look and work as you would expect. Read more about browsers and how to update them here.

Lifetime ISA vs pension factsheet

Lifetime ISA vs pension – which is better if you’re self-employed?

If you’re looking for a tax-efficient way to save for your future but unsure which option could work best for your circumstances, this essential factsheet, which is not personal advice, could help.

  • What you could consider if you earn £50,270 or more
  • What you could consider if you’re under 40 and earn less than £50, 270
  • Why you should consider HL as the home for retirement savings

Download your factsheet now

Please correct the following errors before you continue:

    Existing client? Please log in to your account to automatically fill in the details below.

    Address not shown above? Enter your address manually
    This literature is for UK investors only. We are not authorised to send our literature to areas outside the jurisdiction of UK regulation and will be unable to send this literature to any address in the Channel Islands or outside the UK.




    This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

    Loading

    Please confirm that you wish to continue:

    Loading

    This isn’t personal advice. If you’re unsure you should seek advice. If you save into a LISA instead of a pension, you could miss out on employer contributions, and your entitlement to certain means-tested state benefits could be affected. Tax rules can change and benefits depend on individual circumstances. Investments can go down as well as up in value, so you could get back less than you put in.

    Lifetime ISA vs pension – which is better if you’re self-employed?

    If you’re looking for a tax-efficient way to save for your future but unsure which option could work best for your circumstances, this essential factsheet could help.

    We compare a Lifetime ISA (LISA) to a pension, and what could be a better choice including:

    • What you could consider if you earn £50,270 or more
    • What you could consider if you’re under 40 and earn less than £50, 270
    • Why you should consider HL as the home for retirement savings

    This isn’t personal advice. If you’re unsure you should seek advice. If you save into a LISA instead of a pension, you could miss out on employer contributions, and your entitlement to certain means-tested state benefits could be affected. Tax rules can change and benefits depend on individual circumstances. Investments can go down as well as up in value, so you could get back less than you put in.

    HL SIPP awards