Build long-term wealth
Investments
Stocks, ISAs, and managed portfolios — all in your Lumina app from as little as £1.
Start investing
Capital at risk. The value of your investments can go down as well as up and you may get back less than you put in. Past performance is not a guide to future returns.
Managed portfolios
Choose your risk level
Cautious
Low risk3 – 5% target p.a.
Mostly bonds and cash-equivalent assets. Prioritises capital preservation over growth.
Get startedBalanced
Medium risk5 – 8% target p.a.
A diversified mix of equities and bonds. Suitable for most long-term investors.
Get startedGrowth
Higher risk8 – 12% target p.a.
Primarily equities across global markets. Higher potential returns with higher volatility.
Get startedAll products
What you can invest in
Stocks and shares ISA
Invest up to £20,000 per tax year completely tax-free. Holds UK and global equities, ETFs, and funds.
General Investment Account
No annual limit. Invest in thousands of stocks, ETFs, and funds from around the world.
Lifetime ISA
Save up to £4,000 per year towards your first home or retirement and receive a 25% government bonus.
Lumina Learn
New to investing? Access free educational guides, webinars, and a practice account with virtual money.
Transparent pricing
Fees
Platform fee
0.25% per year (capped at £250)
Fund ongoing charges
Varies by fund (avg. 0.15–0.75%)
Stock trading
£3.99 per trade
ETF trading
£1.99 per trade
Withdrawals
Free, processed next business day
Start with as little as £1
No minimums, no lock-ins. Invest and withdraw whenever you want.
Open an investment account