Vicky's story
Vicky makes the most of the HL Lifetime ISA, HL Stocks and Shares ISA, HL Cash ISA and HL Junior ISA to help reach her goals.
"I’m a teacher, based in Somerset, where I live with my husband and two young boys.
My experience with HL has been really simple. It’s given me the confidence to take control of my money for me and my family.
I decided to start investing mainly influenced by my family. I opened my Lifetime ISA in my early 20s, which enabled me to buy my first home with my husband by the time I was 30. Without that, it’s not something that we would have been able to do.
I’ve still got my Lifetime ISA. I’ve got my Stocks and Shares ISA, my Cash ISA and my boys’ Junior ISAs. It was really easy once I had one account to open more accounts.
The benefits of the ISAs are that they’re obviously sheltered from tax. It’s not necessarily something I’m worrying about at the moment, but it just seems sensible to make the most of that benefit.
I split my savings between cash and investments. Really looking at the long term, in terms of investments, and more short term, in terms of cash.
The Cash ISA means I’ve got access to money when I need it, in case of emergencies. And then the investments mean I could get a better return in the long term.
I mainly use the HL app. It’s really accessible because I’ve got it on my phone.
Within the app, I can track my Junior ISAs for the boys, but also my other accounts.
I can link trusted people to my account. And it’s just a really easy way of having everything in one place.
Having HL as the constant across major life milestones and challenges at different stages of my life has been really important. It’s given me the confidence that I wouldn’t otherwise have had to manage my money.
It’s having a holding hand along the way with the support they offer."
CLIENT STORIES
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Khalid recently invested in the HL Ready-Made Pension Plan. A simple low-cost investment solution managed by HL experts.
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Andrew invests monthly to benefit from compound growth. This strategy could turn a small savings pot into a significant amount when left untouched.
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Peter uses the HL Self-Invested Personal Pension (SIPP) to help him reduce his tax bill and to save on inheritance tax.
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Joanna is a sole trader who recently opened an HL Lifetime ISA (LISA) to help her save for retirement.
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Haydn transferred his pensions to HL to make managing his money easier.
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Christopher used the HL website to help him retire early. With HL he’s able to manage all his wealth under one roof, and uses the linked account service to manage his family’s money too.
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Philip is now enjoying an early retirement thanks to increasing his pension contributions early on.
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Alan uses our tools and research to help him manage his families HL accounts. He also speaks to our knowledgeable helpdesk to get answers to his questions.