# Invest with a plan <VariantAmount/>month in <VariantLogos />

Your plans, goals, and life events. Automated and in motion.

When you invest, your capital is at risk.

## Simple and powerful

Making investing a habit, not an obligation

## Group your investments

Have a goal or strategy in mind? Effortlessly create a Plan to get there - choose your stocks and funds, allocating custom weights to each.

## Enable auto-investing

Set up a weekly, fortnightly or monthly auto-investment to buy all  investments in your Plan at once.

Or, top up your plan whenever you like manually.

## Sit back and keep track

Monitor your performance, stay in the loop with news and lightning updates, and dive deeper with AI-powered market intelligence.

## Investments for Plan A, B and the unexpected

Turn your savings into a strategy, and your investments into a Plan.

### US stocks

4,000+ US stocks across the NYSE and Nasdaq.

### EU stocks

Invest in French, German, Dutch and Belgian stocks trading on the Euronext and Deutsche Börse.

### UK stocks

Invest in UK stocks trading on the London Stock Exchange.

### ETFs

Diverse ETFs from some of the world’s largest fund managers.

## 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 do I create a plan?

To create a Plan, just go to the Portfolio page on your web or mobile platform, scroll down to the bottom of your list of investments, and choose ‘Create a Plan’.

### Which stocks and funds can I add to my plan? 

Most instruments on Lightyear are available to add to your Plans. Keep in mind that fractional instruments can be auto-invested into through recurring payments; non-fractional instruments will have to be bought separately, outside of your recurring contributions.

Money Market Funds can’t be added to Plans.

### Can I invest in a Ready-made Plan, without having to create one myself?

Yes, you can. We offer three, risk based Ready-made Plans, built around funds managed by BlackRock and Vanguard. Check them out [here](https://lightyear.com/en-gb/ready-made-plans).

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Canonical: https://lightyear.com/en-gb/plans