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Lifetime ISA investment ideas hero

Lifetime ISA
investment ideas

Choosing your Lifetime ISA investments

There are a few things to check before investing in a Lifetime ISA.

You should only consider making an investment if:

  • You’re willing and able to accept a level of risk and won’t need the money for at least 5 years. With investing, there’s no guarantee of making money and you could get back less than you invest.
  • You’ve saved a supply of cash that you can access easily for emergencies – a good rule of thumb is to have around 6 months of expenditure.
  • You want the chance to grow your money more than you could with cash.

You can also read around the subject. We've covered what we think you need to know, from investing rules of thumb, to understanding how to manage behaviours to make the right decisions.

Learn more about investing

Once you've decided that you want to invest, our latest ideas for a Lifetime ISA could provide some inspiration.

Latest fund ideas for a Lifetime ISA

These investment ideas aren’t personal advice. Investing in these funds isn’t right for everyone. Investors should only invest if the fund’s objectives are aligned with their own, and there’s a specific need for the type of investment being made. Investors should understand the specific risks of a fund before they invest, and make sure any new investment forms part of a diversified portfolio.

Investments rise and fall in value, so you could get back less than you invest. If you’re not sure an investment is right for you, seek advice.

Total return fund

Total return funds are more conservative than funds that invest fully in company shares. They normally invest in a mix of investments including shares, bonds, commodities and currencies. They could help provide modest growth for your investment portfolio over the long term, and help shelter your money when stock markets fall, but are unlikely to keep up with stock markets when they rise quickly.

We think the fund could form the foundation of a broad investment portfolio, has the potential to bring some stability to a more adventurous portfolio, or provide some long-term growth potential to a more conservative portfolio.

Troy Trojan

  • Aims to grow investors' money steadily over the long run, while limiting losses when markets fall.
  • Invests in a mix of investments including shares, bonds, commodities and currencies and includes some of the world's best-known companies with highly recognisable brands.
  • The fund has the flexibility to invest in higher-risk smaller companies and while the fund contains a diverse range of investments, it is concentrated, which is a higher-risk approach.

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Emerging Markets

There’s no place quite as diverse as the emerging markets. From big Asian countries like China and India, to Brazil and Mexico in South America, these countries offer a lot of potential as part of a portfolio for investors looking for long-term growth opportunities. But it could take time for them to fully develop, so the risks are greater and higher levels of volatility should be expected. A longer investment outlook is essential.

This fund invests in a broad spread of companies based across emerging countries, including China, India, Brazil, South Africa and Taiwan. As a tracker fund, it simply aims to track the performance of the broader emerging stock market, rather than try to outperform it. We think it's a convenient way to invest in the emerging markets, and could be used as a way to diversify a long-term, global investment portfolio focused on growth.

iShares Emerging Markets Equity Index

  • A way to access a broad spread of companies in the diverse emerging markets.
  • One of the lowest-cost options for investing in these markets, which could help the fund track the index closely.
  • Could boost long-term growth potential, but with the potential for volatility along the way.

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Responsible investing fund

Responsible investment funds give you the chance to make money in a way that’s in line with your principles. Some avoid investing in areas that do harm, like tobacco producers, weapons manufacturers or alcoholic drinks makers. Others invest in companies that have a positive effect on society – from those that treat their employees well, to those that create clean energy through wind farms or solar panels.

This fund invests in broad developed stock markets while being mindful of environmental, social and governance (ESG) issues. It aims to track the performance of the Solactive L&G ESG Developed Markets Index. It won’t invest in tobacco companies, pure coal producers, makers of controversial weapons or persistent violators of the UN Global Compact Principles.

An index tracker fund is one of the simplest ways to invest, and this one could be a good addition to a broader investment portfolio aiming to deliver long-term growth in a responsible way.

Legal & General Future World ESG Developed Index

  • Aims to provide long-term growth whilst being environmental, social and governance focused.
  • Invests in broad developed stock markets, such as the US, Japan and Europe.
  • Invested in around 1,500 global companies, focused towards sectors such as technology, pharmaceuticals and financials.
  • The fund has the flexibility to use derivatives which adds risk if used.

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Asia growth fund

Over the years, rapid industrialisation, growing populations, and a desire to succeed have helped transform countries in the Asia region. Domestic consumption is set to be a key driver of growth over the coming years, helped by a young and growing population, and rising wealth. Continued innovation from companies at the forefront of technology based there could also provide exciting growth opportunities for investors. However, younger economies mean the risks are greater and more volatility should be expected. While Asia is home to developed markets such as Hong Kong and Singapore, others, including China and India, are still emerging so a long investment horizon is essential to help ride out the ups and downs.

FSSA Asia Focus

  • This fund is run by a manager and team with a great pedigree of investing in Asia.
  • We like the culture and philosophy at First State – the managers view themselves as stewards of investors' capital, looking after it as though it's their own.
  • Martin Lau has an impressive track record of picking some of the region's best-performing companies over the long run.
  • The fund invests in higher risk emerging Asian countries.

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Help choosing investments

No matter how you choose to invest, you’ll still need to review your investments and make sure they continue to match your objectives and financial goals.

Fund shortlist

Our Wealth Shortlist features funds chosen by our analysts for their long-term potential. You can filter the list to find the right ones for you.

Explore the Wealth Shortlist

Help building a portfolio

Need a hand starting your own investment portfolio? We explain how to build one.

How to build a portfolio

Ready-made investments

Choose one of our ready-made investments. You’ll still need to regularly review the investments but fund managers will take care of the day-to-day investment decisions.

Choose an investment

Personal advice

If you’d like a professional to make your investment decisions for you, you can choose a financial adviser to help.

More on our advisory service

Easy access to up to date information at any time.

MR TONGE, Manchester

Awards

BEST BUY LIFETIME ISA
Boring Money Awards 2023


BEST BUY ISA
Boring Money Awards 2023


BEST ONLINE STOCKBROKER
The Personal Finance Awards 2022/2023

Help and support

If you have any questions about the HL Lifetime ISA, you can speak to one of our client support experts by calling 0117 900 9000.

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