ISA With Lifetime ISA "Inside" The Main ISA

Awakeatlast

Hi,

I've read that it's possible to find a platform that offers a Lifetime ISA inside a normal ISA wrapper.

If such exists I'd be grateful if someone could point me towards a provider.

Alternatively if they don't exist can you let me know please.

Thank you

Kind regards

AiY

jimjames

I don't think such a thing exists. The 2 types of ISA are totally different. You should be able to find a provider that offers both types of account though and would be visible in the same login

Kim_13

Skipton Building Society offer both, Cash LISA only though. Moneybox offer a S&S option, so I guess they would have a S&S LISA also. Not the cheapest fee wise, unless they’ve changed.

wmb194

Awakeatlast said:

Hi,

I've read that it's possible to find a platform that offers a Lifetime ISA inside a normal ISA wrapper.

If such exists I'd be grateful if someone could point me towards a provider.

Alternatively if they don't exist can you let me know please.

Thank you

Kind regards

AiY

Define, "inside."  E.g., For adults, AJ Bell offers Lifetime and S&S Isas and no doubt you'll see them separately on your summary screen but I don't think you'd describe that as, "inside."

Perhaps AJ Bell will keep track of current year subscriptions between the two of them, that might be helpful.

https://www.ajbell.co.uk/isa

Kim_13

I suppose the argument could be made that the Lifetime ISA is always inside the normal ISA wrapper, in that if you contribute £4,000 to a LISA, you can only contribute £16,000 to other types of ISA for that tax year.

eskbanker

Awakeatlast said:

I've read that it's possible to find a platform that offers a Lifetime ISA inside a normal ISA wrapper.

Could you perhaps share links to whatever you've read, to help clarify what you're actually referring to by 'inside' and 'normal'?