[UK] 有無人用過lifetime ISA

賺客來佢地到開戶

moneybox 係話自己食息差
即是你啲錢係入面收個息係差啲

但如果你基本上都係睇車場買4送1嗰25% bonus
個息當送畀佢咁計
喺短期內提取買樓的話都會有可觀回報

Moneybox withdrawal 都好快 。果陣拎 LISA 由入表到收到錢都係兩工作日

你可以做Cash LISA嫁嘛
你自己投資保證可以穩賺25%+定期息?

其實你放左先無死
LISA之間係可以互轉，假設你之後到50覺得Cash LISA啲息麻麻
你想投資一樣可以將Cash LISA啲錢轉去Stock LISA玩
LISA入左先其實係無死
無人話舊錢一定要綁係同一個Cash LISA一世

好似有講明 你真係要拿 會扣番25% 但本身account 利息/投資回報唔會扣

幾時攞都得，不過要比25%penalty
https://www.ajbell.co.uk/faq/when-can-i-withdraw-money-my-lifetime-isa

因為冇LISA,得ISA

我今年18歲，啱啱開咗lifetime ISA
每年都擺4000入去加政府1000=5000
玩32年，去到50歲
總共有5000x32=160000
未計投資嘅利息，我仲研究緊邊隻回報最好
暫時後生同父母住，未有買樓需要
160000 起碼叫做老咗有個保障
所以我覺得幾抵玩

睇落 ib isa喺呢方面係伏嚟
https://www.reddit.com/r/interactivebrokers/s/cvFIr9MFqD
比買股唔俾買債 咩料
仲要大家都知息率見頂 而家啱買債

揾埋 AJ Bell 官網都係咁
嘔血 買債都唔俾
可能要買 bond fund, bond etf 呢啲上市嘅嘢先得
https://www.ajbell.co.uk/our-services/investment-options/bonds
What tax do you pay on bonds?
Gilts and most UK corporate bonds are free from capital gains tax. The income you receive from bonds is paid gross but will be subject to tax depending on your other income.

These investments won’t be subject to income tax if you hold the bond in a tax-wrapper account like an ISA or a SIPP. You can usually hold bonds listed on a recognised stock exchange in these accounts.

想知道入左moneybox 既資金會唔會再查來源?

睇個別律師或銀行

我就無比人問呢部分 。

啱啱先知lift-time ISA都有stock and share
btw咁想問下我開左之後用曬黎買股，到左tax year年尾政府都會照入1000鎊cash比我？

另外，上面好似冇人提到，用LISA買樓係倫敦先可以買45萬以下，倫敦外得25萬
因為早排出預算案嗰陣政府先比人屌完倫敦有80%做mortgage既人都係買45萬以上既樓

倫敦外25萬邊度聽返嚟

自己上政府個網睇啦，£45k係nationwide 架

https://www.gov.uk/lifetime-isa