Investing starts with Lightyear

Entering a promo code is easy. It's possible to do while you're signing up, so don't worry if you missed that step. You can enter a promo code after signing up by:

1. Opening/logging in to your Lightyear app
2. Navigating to your personal profile view
3. Selecting settings and then "Promotions"

Once you enter the promotional code, if eligible, you'll see the conditions needed to claim the bonus. It's important to remember only users who complete signing up and a deposit are eligible for Lightyear promotions.

To be able to redeem this promotion:

1. You're eligible to sign up with Lightyear and you're UK resident.
2. You have any supporting documentation you might need to verify yourself.
3. You haven't claimed any other promotion or referral bonus previously.

Remember we're a regulated investment firm, and as such may be required to ask additional questions to be able to offer you our services.

To qualify, you must enter a valid promo code and deposit at least £100 to your account. A limited number of those who meet these criteria will be awarded an extra fractional share worth $100). [Terms & conditions apply] (https://lightyear.com/signup-promotion-terms)

The upgraded reward is limited to a 3 eligible customers who fulfilled all participation criteria per month.

Lightyear selects winning customers using a randomisation method within the first business week of the calendar month following the qualifying activity.

Do you have cash reserves?: It’s generally good practice to have easily accessible cash available to cover your ongoing short term expenses, as well as an emergency fund for any unforeseen sudden expenses (e.g. needing to replace your washing machine), before investing extra money you might have. It may also be sensible to pay off debts with available money, rather than investing it.

Can you accept losses?: All investing contains an element of risk; your investment value can go down as well as up, so you could get back less than you invested, or in some cases, you may lose your entire investment. Generally the more risk you take gives you the opportunity for higher returns, but also increases the potential for greater losses. You should also think about how long you plan to invest for, and therefore whether you have the time to wait for any losses to recover. Don’t invest more than you can afford to lose. See explanations of the types of risk each investment type provided by Lightyear might be exposed to here. This can be complicated, so please let us know if you need help.

Free, impartial guidance covering cash reserves, losses and more, is available at MoneyHelper & InvestSmart (FCA) including: A beginners guide to investing, 5 questions to ask before you invest, Make sure you understand the risks, Is it the right investment for you.