# Transfer your portfolio 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. Time to use a broker built for the 21st century. We accept transfers of whole shares and the transfer must be at least $1000 worth of shares. ## Why transfer to Lightyear? It's quick, easy, and we don't charge for transfers. ### EE 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. ### 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 With your current provider, you’ll need to fill out a form for the instruments you’re transferring over. We have specific guides for each provider for you to follow on this step! ### Sit back and relax We’ll take it from here and work with your provider to complete the transfer. You’ll get a notification when it’s done. ## Invest and save You can transfer instruments from your other Investeerimiskonto or business account ### Personal Account - Investeerimiskonto - Multi-currency account - 2,24% APY on your Savings ### Business Account - Trusted by 8000+ businesses - BlackRock Money Market Funds - Hold Pounds, Dollars and Euros ## A universe of assets, made simple From stocks to funds, bonds and more, explore a vast universe of investment options, all in one place. And now with fractionals, you don't need to buy a whole share. Just pick the amount you want to invest, and you're in. Subject to availability. ### US stocks 4 000+ US stocks across the NYSE and Nasdaq. ### European stocks Invest in leading European companies, headquartered in more than 20 countries. ### UK stocks Invest in UK stocks trading on the London Stock Exchange. ### ETFs Diverse ETFs from some of the world’s largest fund managers. ### Money market funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ### Baltic stocks Invest in stocks from Estonian, Latvian and Lithuanian markets. ### Baltic bonds Invest in bonds from Estonian, Latvian and Lithuanian markets. ### Crypto 18 top-traded coins, in EUR and USD ## As seen in - [Aripaev](https://www.aripaev.ee/borsiuudised/2024/07/05/konkurents-investeerimisturul-tiheneb-balti-aktsiad-jouavad-tanasest-ka-lightyeari-kliendini) - [Delfi](https://arileht.delfi.ee/artikkel/120336316/investorkond-on-suure-raputuse-ootel-pangad-jaavad-trumpassast-ilma) - [Postimees](https://majandus.postimees.ee/8025419/lightyear-voistleb-pankadega-raha-kasvatamisel-uue-tootega-pangad-ei-viitsi-konkurentsile-reageerida) - [Financial Times](https://www.ft.com/content/d3cbfa1f-d712-46b6-8595-ebe36b6c7162) ## Keeping your money safe Trusting us with your investments is something we do not take for granted. ### Multi-country regulation - Regulated in the UK by the FCA: We’re authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). Lightyear UK Ltd is a company registered in England and Wales with company number 14367910. - Regulated in the EU by EFSA: We’re authorised and regulated by the Estonian Financial Supervision Authority (4.1-1/31 and 4.1-1/147) and authorised to operate across the European Union. ### Government insurance - Your US securities are SIPC protected 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). - EU investor protections insure up to €20,000 across your portfolio: Your assets are covered up to the amount €20,000 by the Estonian Investor Protection Sectoral Fund. Crypto-assets are not covered by any investor compensation scheme in the EU. ### Safeguarding your assets - We safeguard your cash with authorised banks & financial institutions: Customer funds are held in a mix of AAA-rated BlackRock and J.P. Morgan Asset Management Money Market Funds and cash in authorised commercial banks. Your money is always kept separate from ours. - Your assets are yours, no one else’s: Your assets are yours, no one else’s. You are the owner of all your investments, and your assets are held in separate accounts. Your assets can’t be touched by our creditors and in the unlikely event of Lightyear’s insolvency, everything is returned to you. Your crypto-assets are no different. ## 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](/help/trading-and-investments/stock-transfer). ### 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. --- Canonical: https://lightyear.com/en-ee/transfer-portfolio-to-lightyear