[UK] 有無人用過lifetime ISA

Lisa舊錢可唔可以買股？

過咗第一年仲點25%

有分 lifetime saving ISA

Lifetime share ISA

所以Lisa 最啱係 幾年內想買屋既人

我意思係年回報
除非首置，否則lock到60，仲要50打後冇，去到60計嗰£1000其實回報率好低

係，不過19英國全球計首置

等睇工黨引爆property market 吧

點引爆

首先係後生
然後最好5年內買樓嘅人
不過咁亦限死咗規劃彈性

最typical 係幾年後發覺負擔唔到買樓
喺LISA 舊錢拎唔出嚟之餘回報亦不停遞減
就會雪上加霜

或者調轉經濟環境好好想買豪啲
但LISA 限制樓價最多只能450k
結果亦買唔到心儀居所
或者要多一重買賣成本先做到
呢個情況特別係結婚雙方都有LISA 時可能發生

直接20k 屌落trading 212有息收 一年1067，兩年2191，3年3376

每年屌20k 落去唔買任何野個回報好過果1k喎

當然個回報率都係低過25% 但年期愈長lifetime 個回報率愈低….. 但問題係冇限制你幾時拎走同買咩樓

講明唔係賣廣告，市面上可能有更好offer

Ching 做咩咁嬲，之前無聽你講過

點解係中伏？

賺25%都幾多啦，差0.5-1%比較上都應該唔算多？

原來AJ Bell同Hargreaves Lansdown都係大公司 本身唔識

Buying your first home
You can use your savings to help you buy your first home if all the following apply:

the property costs £450,000 or less
you buy the property at least 12 months after you make your first payment into the Lifetime ISA
you use a conveyancer or solicitor to act for you in the purchase - the ISA provider will pay the funds directly to them
you’re buying with a mortgage
https://www.gov.uk/lifetime-isa#:~:text=meet%20the%20bill.-,Buying%20your%20first%20home,you%E2%80%99re%20buying%20with%20a%20mortgage,-Buying%20with%20someone

好似一定要按喎

呀係wor.....因為自己有做按所以無aware到.....sor

啱啱開左vanguard，諗緊開埋for首置，打算買啲平樓放租

Btl mortgage唔eligible

乜唔係每年放4000入去都有得賺1000？

You can put in up to £4,000 each year, until you’re 50. You must make your first payment into your ISA before you’re 40.

The government will add a 25% bonus to your savings, up to a maximum of £1,000 per year.

每年都有
https://www.gov.uk/lifetime-isa

當你30歲擺筆錢入去，60歲先拎得返，開頭賺25%但之後每年賺少0.5-1%，到你攞返果日都冇太大著數，所以只會考慮stock & share lisa因為custody charge通常得0.15-0.25%而且有cap，再加少少買賣成本，咁你就算長擺都keep得到呢25%入面果大部分

但息要交稅？

就入金4千嚟計 嗰1千蚊回報只係一次性
如果你計滾存年均回報率
時間愈長回報率就會愈低

第二第三年放嘅4千亦如是

其實你可以調返轉睇正常滾動回報投資
回報率5厘年供4k的話 大概8年後就有40.1k
開始跑贏

如果你有信心做到更高投資回報
就會更早跑贏