Confused About Investment Choices

PixieFace wrote: »

A further confusion I have is regarding which platforms to use. If I am reading the above comments correctly, I should invest in the Vanguard Lifestrategy Fund via Vanguard Investor, but the LISA with Vanguard (or A.N.Other) via AJ Bell YouInvest. Is that because Vanguard does not offer a LISA?

That's correct, Vanguard do not offer a LISA.

henryandmay wrote: »

Is a LISA wrapper worth investing in via a S&S ISA.
25% bonus just seems to good to be true or am I missing something.
I'm 35 so would be looking saving for retirement.

The 25% bonus is generally worth having, for anyone who's prepared to tie the money up long-term (no penalty-free withdrawal until 60 unless buying first property) and accept the small annual contribution limit of £4K (versus £20K for all other non-HTB ISAs).

LISA is technically a different type of ISA from a S&S ISA but comes in both cash and S&S forms (i.e. there's a difference between a S&S ISA and a S&S LISA), but S&S is undoubtedly better than cash for long-term holders.

henryandmay wrote: »

Thanks Eskbanker.
Can you hold a S&S LISA and a regular S&S isa at same time?

Yes, the rule is that it's only allowed to pay new money into one ISA of each type in any given tax year, so because S&S ISA and LISA are different types, it's permitted to pay into both.