# Own the world with no order fees We've got [a world of ETFs](/funds/explore) to explore. When you invest, your capital is at risk. T&Cs apply. Explore the full universe of funds available to buy & sell on Lightyear. You can trade ETFs, ETCs, and MMFs - asset types to suit every investor. ## Why invest in ETFs? Build a balanced portfolio to match your investment strategy. We've got ETFs to suit every investor. ### What are ETFs? Exchange Traded Funds (ETFs) track the performance of a stock market, sector, or financial index. They offer huge choice: you can invest globally, by country, or into specific sectors like tech or defence. ### Are ETFs a good investment? [ETFs have many advantages](blog/etfs-vs-mutual-funds-choosing-your-investment) over mutual funds and unit trusts. Because they're traded on the stock market like single shares, ETFs can be easily bought and sold and tend to have very low ongoing fees. ### Are ETFs safe? Investing always involves some degree of risk, with the hope of a return. But ETFs are inherently diversified, enabling customers to invest in hundreds or thousands of companies with a single instrument. ## Which ETFs does Lightyear offer? With hundreds of ETFs to explore, Lightyear enables you to build a balanced portfolio to match your investment strategy. ### Most popular ETFs Diverse ETFs from some of the world’s largest fund managers. ### Fund managers The world's largest fund managers in one place. ### Multi-currency Make your trades entirely free by investing in your home currency. ### Dividend ETFs Invest in ETFs that pay you dividends ### Money Market Funds Money Market Funds are low risk, highly liquid and AAA-rated investments that pay interest. ## We don't charge for ETFs ### Fees - Execution fees: No commissions when investing in ETFs. - Custody & account fees: It's free to hold investments with us. - Conversion fees: No FX fees when investing in your home currency - we have ETFs priced in EUR, GBP, and USD. ## Protection and regulation Trusting us with your investments is something we don’t take for granted. ### Regulated and insured - Regulated by the FCA: We're authorised and regulated by the Financial Conduct Authority ([FRN 987226](https://register.fca.org.uk/s/firm?id=0014G000034WTPOQA4)). - FSCS protection: Lightyear is protected by the Financial Services Compensation Scheme (FSCS). FSCS deposit protection applies to client money only where held with UK banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). ### Safeguarding your assets - We safeguard your cash: Customer funds are held in a mix of Citibank and NatWest bank deposits and AAA-rated Qualifying Money Market Funds. Your money is always kept separate from ours. FSCS protection applies to client money only where held with banks, not where held in QMMFs. [Learn more here](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected). - Your assets are yours, no one else's: You are the beneficial 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. ## Questions a curious investor might ask ### How does investing with different currencies work? Building a global portfolio is important, and we want to make it as easy as possible to do that. Lightyear's multi-currency investment accounts mean you can invest and hold money in USD, GBP and EUR. So whether you're investing in local funds or global ETFs, we've got you covered. This way, you don't have to be constantly converting your money between currencies - which is subject to FX fees. ### How are my assets protected? Trusting us with your investments is not something we take for granted. Lightyear UK Ltd is authorised and regulated by the Financial Conduct Authority and as such is bound by strict regulatory obligations in how we handle and protect your assets. We do this via a process known as safeguarding. You can find full details about [how we safeguard](/help/deposits-conversions-and-withdrawals/how-are-my-assets-protected) in our help centre. Customer assets always sit separately to our own. Lightyear UK Ltd is the authorised custodian, though we may choose to deposit assets with Lightyear Europe AS, as a sub-custodian. There’s no way for creditors - in the unlikely event of anything happening to either Lightyear UK or Lightyear Europe AS - to get hold of the investments or cash that you hold with us. Lightyear is protected by the Financial Services Compensation Scheme (FSCS). Any shortfall in cash and assets returned to you may be claimable with the FSCS, in the event of Lightyear's insolvency. FSCS does not cover losses due to poor investment performance. ### Can I request new funds? Absolutely! If there's a stock or a fund you want that we don't yet have, there's a very quick way to request it in-app. Simply write the name of the instrument you're looking for in the search bar, and then hit request. Our team goes through all requests periodically and when possible, we make these instruments available. ### Where can I find the Key Information Documents for available funds? All key information documents (KIDs) are available on our [KIDs page](/kids), and can also be downloaded from individual fund pages. --- Canonical: https://lightyear.com/en-gb/funds