# Invest with a plan month in
Your plans, goals, and life events. Automated and in motion.
When you invest, your capital is at risk.
Make investing effortless with Lightyear Plans. Build custom portfolios of stocks and funds, set auto-investments on your schedule, and track your progress with real-time updates and AI-powered insights.
## 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.
### 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.
## 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
### 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, cash and subscriptionable (pre-IPO) instruments aren’t currently supported in Plans.
### Can I invest in a pre-made plan, without having to create one myself?
Pre-made plans are on our roadmap, hopefully launching very soon. For now, you can easily create Plans by choosing stocks and funds to include, and giving them each a weighting based on your investment goals.
---
Canonical: https://lightyear.com/en-ie/plans