Lloyds Bank 開始する,打ち上げるs new 投資 account for under 25s called 投資する Wise
- Lloyds Bank 追加するs new 在庫/株s and 株 Isa and general 投資 account?
- They are geared toward 18 to 25 year olds?
Lloyds Bank has 開始する,打ち上げるd a new 範囲 of 投資 accounts 目的(とする)d at 18 to 25 year olds.?
Called 投資する Wise, the new 新規加入 to Lloyds' 投資 service 申し込む/申し出s a general 投資 account and a 在庫/株s and 株 Isa to young 投資家s as it looks to 戦う/戦い 支援する against DIY 壇・綱領・公約s.?
Younger DIY 投資家s will be able to 投資する 正規の/正選手 sums with a 最小限 of £20 a month. There are no 料金s for 正規の/正選手 投資するing.
Any 貿易(する)s outside of a 正規の/正選手 投資するing 計画(する) will be 支配する to a 料金 of £11. If you have a 首相 or 私的な bank account, this is £10.
Lloyds Bank has 開始する,打ち上げるd a new 投資 account and 在庫/株s and 株 Isa for 18 to 25 year olds
The bank is 目的(とする)ing to make it easier and cheaper for this cohort to grow their wealth as 42 per cent have had to turn to parents for help with money, new 人物/姿/数字s from Lloyds 示唆する.
The 研究 shows getting on to the 所有物/資産/財産 ladder is the biggest motivator for people this age to start 投資するing , followed by starting a career, finishing university, getting married and starting a family.
There are no admin 料金s for 投資する Wise accounts if you are 老年の 18 to 25. On turning 26, 投資家s will 支払う/賃金 £40 a year in admin 料金s which will be taken in a £20 支払い(額) every six months.
The admin 告発(する),告訴(する)/料金 is taken in April and October of each year. If you open your account between the 支払い(額) dates, the six-月毎の admin 告発(する),告訴(する)/料金 will be taken from the に引き続いて 支払い(額) date.
投資家s who have a Lloyds 首相 or 私的な banking account will 支払う/賃金 £10 every six months instead of £20.
Manuel Pardavila-Gonzalez, managing director of Lloyds Bank 投資s, said: 'We've designed 投資する Wise as an 平易な and affordable way to help give people 老年の 18-25 the 信用/信任 to start working に向かって those goals.
'They can 投資する for 解放する/自由な using a regul ar 投資 計画(する), meaning more of their own money can go に向かって 投資するing for their own home, planning their dream trip or building up a nest egg for the next big life 行う/開催する/段階.'
How is it different to other 投資 accounts?
The age 必要物/必要条件 in place for 開始 a general 投資 account or a 在庫/株s and 株 Isa is 18 - so technically 投資家s this age could open up a general 投資 account or 在庫/株s and 株 Isa with any 投資 壇・綱領・公約.
They will have to 支払う/賃金 admin 料金s with most other providers though between the ages of 18-25.?
AJ Bell, for example has a 0.25 per cent 年次の admin 料金 and a £9.95 基準 株, 投資 信用 and ETF 取引,協定ing 告発(する),告訴(する)/料金 while Hargreaves Lansdown has a 0.45 per cent admin 料金 and a £11.95 取引,協定ing 告発(する),告訴(する)/料金 for 基準 株, 投資 信用, ETF 取引,協定ing.
Goal | % of 18-25 year olds with this 投資 goal |
---|---|
To buy a house/支払う/賃金 off mortgage | 42% |
財政上の 安全? | 41%? |
To save for a holiday? | 37%? |
供給する a good 財政上の 未来 for my family/children? | 33%? |
Personal wealth 世代 (to make more money)? | 32%? |
Saving for 退職? | 22%? |
I don't have any 投資 goals? | 7%? |
Other? | 1%? |
Lloyds Bank |
On a マリファナ of £10,000, Lloyds' 投資する Wise 年次の £40 admin 料金 on turning 26 equates 0.4 per cent. If you have a smaller マリファナ to 投資する this could 証明する pricey on smaller investme nt マリファナs but become progressively good value on larger マリファナs.
If you already have a Lloyds 首相 or 賞与金 bank account the 投資する Wise account 料金s are わずかに 減ずるd.
Lloyds will hope the main 控訴,上告 of these accounts is that they 許す young 投資家s to have a hassle 解放する/自由な start to 投資するing by giving them 接近 to 範囲 of other 道具s 同様に as it 存在 linked to their 経常収支.
Those 開始 one of the 投資する Wise accounts will be able to use Lloyds' ETF quicklist, which 開始する,打ち上げるd in September and Lloyds' Select 名簿(に載せる)/表(にあげる) of 基金s.
With the ETF Quicklist, 顧客s can choose from a 名簿(に載せる)/表(にあげる) of 16 ETFs and 投資する in them through a 株 取引,協定ing account or an Isa, accessible from their banking app or online.
The ETF 名簿(に載せる)/表(にあげる) is 分裂(する) into four 部類s - 主題s, around the world, 直す/買収する,八百長をするd income, and 傾向ing now, which 含むs ETFs 範囲ing from UK 所有物/資産/財産 to healthcare.
If you already have a Lloyds 首相 or 賞与金 Bank account there is also the 利益 of わずかに 減ずるd 料金s with an 投資する Wise account.