Lifetime ISA
investment ideas

Latest fund ideas for a Lifetime ISA

These funds have been chosen by our investment research experts. We believe they could make great investments for a Lifetime ISA.

But they’re not personal advice. Investing in these funds isn’t right for everyone. Investors should only invest if the fund’s objectives are aligned with their own, and there’s a specific need for the type of investment being made. Investors should understand the specific risks of a fund before they invest, and make sure any new investment forms part of a diversified portfolio.

Investments rise and fall in value, so you could get back less than you invest. If you’re not sure an investment is right for you, seek advice.

• Total return fund: Troy Trojan

  Total return funds are more conservative than funds that invest fully in company shares. They normally invest in a mix of investments including shares, bonds, commodities and currencies. They could help provide modest growth for your investment portfolio over the long term, and help shelter your money when stock markets fall, but are unlikely to keep up with stock markets when they rise quickly.

  We think the fund could form the foundation of a broad investment portfolio, has the potential to bring some stability to a more adventurous portfolio, or provide some long-term growth potential to a more conservative portfolio.

  

  Troy Trojan

  • Aims to grow investors' money steadily over the long run, while limiting losses when markets fall.
  • Invests in a mix of investments including shares, bonds, commodities and currencies and includes some of the world's best-known companies with highly recognisable brands.
  • The fund has the flexibility to invest in higher-risk smaller companies and while the fund contains a diverse range of investments, it is concentrated, which is a higher-risk approach.

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• Emerging Markets: iShares Emerging Markets Equity Index

  There’s no place quite as diverse as the emerging markets. From big Asian countries like China and India, to Brazil and Mexico in South America, these countries offer a lot of potential as part of a portfolio for investors looking for long-term growth opportunities. But it could take time for them to fully develop, so the risks are greater and higher levels of volatility should be expected. A longer investment outlook is essential.

  This fund invests in a broad spread of companies based across emerging countries, including China, India, Brazil, South Africa and Taiwan. As a tracker fund, it simply aims to track the performance of the broader emerging stock market, rather than try to outperform it. We think it's a convenient way to invest in the emerging markets, and could be used as a way to diversify a long-term, global investment portfolio focused on growth. The fund has a small amount of exposure to smaller companies, which are higher-risk investments.

  

  iShares Emerging Markets Equity Index

  • A way to access a broad spread of companies in the diverse emerging markets.
  • One of the lowest-cost options for investing in these markets, which could help the fund track the index closely.
  • Could boost long-term growth potential, but with the potential for volatility along the way.

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• Responsible investing fund: Legal & General Future World ESG Developed Index

  Global equity funds provide a good foundation to an investment portfolio focused on long-term growth. Investing in companies across the globe provides a good level of diversification in a single fund. This one provides broad exposure to a range of large and medium-sized companies in developed markets, such as the US, Japan and Europe, while being mindful of environmental, social and governance (ESG) issues. Responsible investment funds give you the chance to make money in a way that’s in line with your principles.

  This fund aims to track the performance of the Solactive L&G ESG Developed Markets Index. It won’t invest in tobacco companies, pure coal producers, makers of controversial weapons or persistent violators of the UN Global Compact Principles.

  An index tracker fund is one of the simplest ways to invest, and this one could be a good addition to a broader investment portfolio aiming to deliver long-term growth in a responsible way. The fund has a small amount of exposure to smaller companies, which are higher-risk investments.

  

  Legal & General Future World ESG Developed Index

  • Aims to provide long-term growth whilst being environmental, social and governance focused.
  • Invests more than the broader global stock market in companies that score well on a variety of ESG criteria, such as the level of carbon emissions generated and number of women on the board. If companies score poorly on these measures the fund reduces exposure.
  • Invests in around 1,400 global companies, focused towards sectors such as technology, pharmaceuticals and financials.
  • The fund has the flexibility to use derivatives which adds risk if used.

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• Asia growth fund: FSSA Asia Focus

  Over the years, rapid industrialisation, growing populations, and a desire to succeed have helped transform countries in the Asia region. Domestic consumption is set to be a key driver of growth over the coming years, helped by a young and growing population, and rising wealth. Continued innovation from companies at the forefront of technology based there could also provide exciting growth opportunities for investors. However, younger economies mean the risks are greater and more volatility should be expected. While Asia is home to developed markets such as Hong Kong and Singapore, others, including China and India, are still emerging so a long investment horizon is essential to help ride out the ups and downs.

  

  FSSA Asia Focus

  • This fund is run by a manager and team with a great pedigree of investing in Asia.
  • We like the culture and philosophy at FSSA – the managers view themselves as stewards of investors' capital, looking after it as though it's their own.
  • Martin Lau has an impressive track record of picking some of the region's best-performing companies over the long run.
  • The fund invests in higher risk emerging Asian countries.

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