这个new lifetime ISA,会从2017年4月开始实行，每年存款最多4000，然后政府top up 1000镑，也就是变相的相当于25%的回报。可以用于作为养老的saving或者作为first time buyer （买房）的deposit，申请人必须是18-40岁，saving 到50岁，所以如果你从18岁开始，每年存4千saving，政府每年给1千，32年就是政府给你32千的bonus， 这些钱都是在这个ISA账号里面，也有利息，免税。 如果你不是first time buyer，那么这些钱只能到你60岁之后才可以取出来用， 如果在这之前取出，则之前的bonus和利息全部没有了，外加5%的利息（就是你取出来的钱amount要收5%的利息）。
这个对于有saving或者要买第一套房子人来说，还是非常有吸引力。
在这里和大家分享一下，明年4月别忘了去银行开户。
The government’s new Lifetime Individual Savings Account (LISA), available from April 2017, could be for you…
What is a Lifetime ISA?
Announced in the Budget on 16 March 2016, Lifetime ISAs are a new tax-efficient savings scheme designed to help people get on the property ladder and/or enjoy a comfortable retirement.
Under the terms of the scheme, the government will pay in £1 for every £4 saved.
The maximum you can invest is £4,000 a year, meaning the 25% government top-up is worth up to £1,000 a year.
The bonus will be added each year, so you can earn interest on it thereafter.
The bonus is only paid on contributions made by the accountholder until he or she reaches the age of 50.
Money in the account can be used at any time to buy a first home. Otherwise, it must remain in the account until the accountholder reaches 60.
In other words, you can:
- open a Lifetime ISA while you’re under 40
- make payments into it until you’re 50
- buy a first property with it at any time
- use the cash for any purpose once you’re 60.
一点没觉得划算。把钱给政府用那么久，即便有利息，能有几个钱。不过还是感谢楼主的分享。