Transfer yourportfolio
Investing shouldn’t cost you an arm and a leg - but if you’re investing through your bank, there’s a high chance that it will. Good thing it’s super easy to move your holdings to Lightyear.
Regulated by Finantsinspektsioon
Handled by our Estonia-based teamWhy transfer to Lightyear?
It's quick, easy, and we don't charge for transfers.
No need to sell
You only need to fill out a transfer form with your current broker and let us know — no need to sell your holdings!
Free of charge
From our side, transferring your portfolio over is free. Your current provider might charge here, though.
Tax efficient
Instruments transferred between two investment accounts stay in the tax-efficient system.
What’s the process?
It’s never been easier to ditch the painful UX and sky-high fees.
It's easier than you'd think
Initiate the transfer
First, you’ll need to start the transfer in ‘Transfer your Portfolio’ section of the Lightyear app.
The minimum transfer size is $1000 total for all instruments you’re transferring.
Fill out a transfer form
Sit back and relax
Something for every investor
Invest and save
You can transfer instruments from your other Investeerimiskonto or business account
Tax-advantaged investing
Personal Account
- Investeerimiskonto
- Multi-currency account
- 2.26% APY on your Savings
Put your company cash to work
Business Account
- Trusted by 3500+ businesses
- BlackRock Money Market Funds
- Hold Pounds, Dollars and Euros
Investments on Lightyear
Asset types to suit every investor
Growing wealth over the long term or hedging against risk? We’ve got tools and asset types to suit every investor.
4,000+ US stocks across the NYSE and Nasdaq.
Explore US stocksThe world’s largest stocks
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Safe & trusted
Keeping your money safe
Trusting us with your investments is something we don’t take for granted.
EU investor protection up to €20,000
Your assets are covered up to €20,000 by the Estonian Investor Protection Sectoral Fund. We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31) and authorised to operate across the EU.
SIPC protection for US securities up to $500,000
Your US securities are held with our partner Alpaca, who is FINRA regulated and a registered member of the Securities Investor Protection Corporation (SIPC). Learn more about SIPC.
Frequently asked
Questions a curious investor might ask
Where can I transfer my investments over from?
We can accept a transfer from almost any broker that facilitates transfers out of their platform but in the app you'll find a list and guides specific to brokers from which transfers are commonly initiated.
It’s crucial that you initiate a transfer on your current broker’s platform. We can only start processing it once we receive their confirmation. To help you, we have created detailed step-by-step guides.
Can I bring over investments from another investment account?
Yes, you can bring over cash and instruments from a pre-existing investment account to a Lightyear investment account, without tax liability arising from profits on these assets when sold. You can deposit cash directly between accounts or set up a portfolio transfer to bring over whole-share stocks, funds or bonds — provided they are available on Lightyear.
If you have acquired investments with another provider outside the investment account regime, you can still transfer these over to Lightyear. But those can't be included in the investment account system (unless transferred before 01.01.2024) and hence will be taxed upon selling, i.e. pursuant to the regular regime.
Can I transfer my Kasvukonto from LHV?
Though Kasvukonto can fall under the investment account system itself (if you have declared it as such), it’s not usually possible to bring over your pre-existing investments from it. This limitation comes from stocks and funds in Kasvukonto usually being fractional, but please check this with your bank.
How much does a portfolio transfer cost?
Though we don’t charge you for the transfer, your current broker might. So please be aware of any costs during the process. Your current broker might ask you to pay or sell some of the stock to cover for the transfer fee.