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Lightyear review – an app with excellent resources to help investors choose their investments

Insiders score

infoMore info
This is the score our team have awarded the platform based on our own personal experiences and other important factors, such as fees and ease of use.

4out of 5

This is one of the most cost-effective options for buying ETFs and comes with excellent research tools including analyst recommendations. A low-cost saving and investing app with access to stocks and funds via personal and business accounts.

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By Antonia Medlicott

  • Published: July 12, 2024
  • Edited by: Clare West
  • Last Update: 4 weeks ago
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4out of 5

Antonia says

The Verdict

Lightyear has had an ISA ‘in the pipeline’ for 3 years now and I hope it appears soon as its absence is letting down an otherwise very decent offering.

Struggling to decide what to invest in? This is where Lightyear really shine. Their level of research into the various assets will whet the appetite of even seasoned investors. In-app earnings calls are a unique proposition here, and analyst estimates and price targets are all free to access. Want to know how many analysts recommend you buy, hold or sell? It’s all available within the app.

Assets are limited to stocks and ETFs, however, this is ample for many investors. Fees are low, withdrawals are fast, and there are multicurrency accounts available so you can keep costs to a minimum. The addition of fractional shares means investors can also own a piece of big-value stocks without the hefty price tag.

Only having one account available for private investors is the Achilles heel here. But if you aren’t looking for a tax wrapper, this platform could be a good proposition.
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quote

Pros

  • Excellent research
  • Multi-currency account for free
  • Zero commission on ETFs
  • Interest vaults for uninvested cash
  • FX fees are at the interbank rate
quote

Cons

  • No ISA
  • No live chat
  • No pension
  • Verdict4
  • Fees4.5
  • Trading Platform5
  • Research5
  • Safety5
  • Education1

Antonia says

Who do I recommend it for?

arrow-down-orangeRead More
quote

Pros

  • Excellent research
  • Multi-currency account for free
  • Zero commission on ETFs
  • Interest vaults for uninvested cash
  • FX fees are at the interbank rate
quote

Cons

  • No ISA
  • No live chat
  • No pension
  • arrowVerdict
    4
  • arrow Fees:
    4.5
  • arrowTrading Platform:
    5
  • arrowResearch:
    5
  • arrowSafety:
    5
  • arrowEducation:
    1
update-icon

Updates

25.06.24 Review published

Who do I recommend Lightyear for?


For investors with little to no experience, this is a good option. The ETFs are very cheap to access and they represent a good way to diversify your portfolio in the stock market.

However, this is also a good option for those who would like to dabble in individual stocks but don't really know where to start. The analyst ratings will provide a guide and there is a great amount of research. However, the lack of education could result in a portfolio that lacks diversification and the complete lack of ISA or pension account can’t be overlooked.

Accounts


This is really limited. No ISA, no SIPP, no junior accounts, just one general investment account and a business account. However, Lightyear has been claiming to have an ISA in the pipeline for three years now so this could rectified soon.

  • Personal account
  • Business account

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