Earlier this year, we surveyed over 2,000 of our investors across Europe and found out that of our UK users:
- 87% of you have financial goals
- 50% use passive investing to reach them
- ¼ invest for short, medium and long term goals at once
And we know that different financial goals require different approaches – both in terms of the instruments invested into, but also the timeline and frequency. So, we realised we needed to build something to help you with this, a product allowing you to invest into specific goals in a simple, automated way.
Introducing: Plans
Instead of managing your whole portfolio as one, you can now split investments in your GIA and business account into Plans – separating fun money from your retirement funds; and investments into your kids’ futures from your more risky, speculative ones.
For each Plan, investors can create a tailored set of fractional stocks and funds, to meet their specific financial goals, allocate custom weightings to each position and set a recurring payment through a standing order or your Lightyear cash balance.
Plans support placing money in the stock market recurrently and over the long term, helping easily create a habit out of investing. If you’re a saver, Plans help you turn your savings into a strategy; and if you already invest, you now have an automated, streamlined way to manage investing towards multiple goals at once.
Across Europe, chasing financial goals needs a boost
In a recent study of 14,000 Europeans, 86% of respondents say financial health is important to them. At the same time, 65% have long term financial goals – but only 15% of those with a goal actively pursue it.
The survey reports a lack of confidence in financial topics like investing and pensions. Less than a third of respondents said their knowledge of investing and pensions is low. This signals even further need for simple, intuitive and automated ways to grow wealth, without the hassle and headaches.
And this is exactly what we hope Plans brings you. A way to set money aside and grow it in a strategic, streamlined way in the background, leaving you free to focus on your everyday.
Disclaimer
Capital at risk. Terms apply, seek advice or guidance if needed. GIA only – Plans for ISAs are on their way.
The Lightyear research referenced was conducted Q1 2025, surveying 2000+ of Lightyear’s customers. Highest participation rates were seen from the UK, Spain, Hungary and Estonia. The European Financial Health Report referenced is available here.
Karolina works as Communications Manager at Lightyear, sharing news about the platform as well as developments & research about the wider investing space across media and investor communities. She’s worked across communications and marketing in finance for over five years, building better ways for people across the globe to manage their money.
