Say Hello to the HL ISA Family

The video shows Vicky, a teacher from Somerset, in various locations around the Harbourside area of Bristol. She speaks about her experience with HL.

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’m Vicky, I’m a teacher, I live with my husband and two young boys.

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 get better returns 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, so my husband. And it’s just a really easy way of having everything in one place.

Having HL as the constant across these kind of major life milestones and challenges at different stages of my life has been really important.

It’s given me the confidence that I definitely wouldn’t have had to manage my money.

It’s having a holding hand along the way with the support they offer.

Vicky walks out of shot and the following words appear: Open an ISA with the UK’s #1 investment and savings platform

www.hl.co.uk/isa-family

These words are replaced with: Hargreaves Lansdown. Invest. Save. Retire.

Important information then appears on screen: This video isn’t personal advice. If you’re not sure what’s right for you, ask for financial advice. Investing for 5+ years increases your chances of positive returns compared to cash savings. But investments rise and fall in value, so you could get back less than you put in. Tax benefits depend on your circumstances and rules can change. Children gain access to their Junior ISA when they reach 18. The Lifetime ISA can be opened aged 18-39 and withdrawal restrictions apply.

Please note: This case study isn’t personal advice. If you’re not sure what’s best for your situation, ask for financial advice. Unlike cash, investments go up and down in value, you could get back less than you put in. Tax benefits depend on individual circumstances and rules change.