Lightyear has recently launched “Plans”, a highly requested feature that allows investors to personalise and automate their long-term investing - directly within the Lightyear app.
With Plans, users can create their own tailored set of stocks and ETFs, assign percentage allocations, and set up recurring contributions (weekly, bi-weekly or monthly). It’s an easy way to apply discipline and dollar-cost averaging to your investments, without needing to manually trade every month.
Lightyear Plans is best for investors who already have a clear idea of their preferred portfolio but want a simple, low-cost way to automate contributions over time, rather than a fully managed, advised solution (which is often more expensive).
On the downside, there are no pre-made portfolios (yet) or investment advice. Plans are fully self-directed. In that sense, Lightyear plans are not the “classic” robo-advisor where you’re assigned an investment portfolio - in this case you’ll have to create the portfolio by yourself.
💡 Exclusive Bonus: New users who sign up to Lightyear with the code INVESTINGINTHEWEB can get up to €100 in fractional shares to their Personal Account. Capital at risk. T&C apply. Minimum deposit €100. New users only. The reward lock-down period is 6 months.
That’s Lightyear Plans in a nutshell.
If you want to find out what our research team has to say after carefully analysing Lightyear’s new feature, keep reading. Here’s what we’ll cover:
Overview
Lightyear is a UK and EU-based investing platform founded in 2020, offering commission-free ETFs and low-cost access to over 6,000+ global stocks and ETFs.
Lightyear homepage
Lightyear operates in Europe through Lightyear Europe AS, which is authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon) under activity licence number 4.1-1/31, the company has grown rapidly across Europe, focusing on transparency, accessibility and low fees.
In November 2025, Lightyear launched Plans, a feature that lets users group selected investments into mini-portfolios and, if they wish, turn on auto-investing.
Lightyear Plans page
Plans currently work within:
Personal ) and Business Accounts
Tax-efficient wrappers in Estonia (Investeerimiskonto) and Hungary (TBSZ)
ISA availability in the UK is coming soon
This service is execution-only, meaning users self-direct all investment decisions - Lightyear does not offer advice, model portfolios, or discretionary management.
“We are not acting as a Robo-Adviser regarding our Plans product as the service is execution-only (no advice) and self-directed by the customer.” Lightyear
Pros & Cons
Pros
Automated investing: Set recurring contributions (weekly, bi-weekly, or monthly) for long-term discipline.
Flexible and transparent: Edit allocations, amounts, or frequency anytime.
Fractional shares: Available for both stocks and ETFs (minimum €2/£2/$2 per instrument).
No ongoing or custody fees: ETFs are commission-free (fund manager and FX fees may still apply).
Low-cost stock trading: 0.1% per trade for US stocks (min. $0.1, max $1) £1 per trade for UK stocks and €1 per EU stocks
Available across the EU and UK: Works in Personal and Business Accounts; tax-wrappers for Estonia and Hungary.
Clean, modern interface: Intuitive design, mobile-first, and simple portfolio creation process.
Supports diversification: Combine equities, ETFs in one plan.
Goal-based investing: Users can name Plans according to personal goals (e.g., “House Fund” or “Retirement Growth”).
Exclusive offer: Sign up with code INVESTINGINTHEWEB to get up to €100 in fractional shares (terms apply). Minimum deposit €100. New users only. The reward lock-down period is 6 months
Strong financial backing: Lightyear recently secured $23M in a Series B round (total funding now $58M). It’s backed by top-tier investors and experienced founders.
Cons
Execution-only: No investment advice or recommended portfolios.
Not a classic robo-advisor: All allocations and instruments must be chosen by the user.
No automatic rebalancing (yet): Users must manually adjust allocations.
Recent, private company, with a short track record: but, unlike the US, this is a fact for most brokers in Europe.
Platform
Lightyear offers a web platform and a mobile app (iOS and Android), both with a consistent and sleek user experience.
The user interface is clean, modern, and focused on simplicity.
Product Offer, Portfolios, and Investment Strategy
Lightyear Plans allow investors to create their own portfolios by selecting specific stocks and ETFs and assigning percentage allocations that total 100%.
You can:
Name each Plan based on its goal or purpose
Assign weights per instrument
Enable auto-investing with a chosen contribution and schedule
Edit or delete Plans at any time
For example:
“70% VWCE - Global Equity ETF” “30% Euro Government Bond ETF”
This creates a balanced, diversified portfolio that automatically receives new contributions, ideal for dollar-cost averaging and long-term consistency. Remember, investing means you can lose some or all of your money. If you are unsure what this means, please speak to a qualified financial adviser.
Here’s how it looks in the app:
Lightyear plans screenshot
On the downside, Lightyear does not provide pre-made portfolios or risk profiling questionnaires, as the feature is self-directed and purely executional.
Furthermore, the company also doesn’t offer products such as mutual funds, bonds, options, or crypto. If that’s what you’re looking for, you might need to find another alternative.
Still, we believe this selection of financial instruments fits most long-term, passive investors.
How to create a Plan
Step 1: Start a new plan
From your Portfolio screen, scroll to the end of your list of instruments and tap “Create a Plan.” You’ll then choose how you’d like to begin:
Move my investments – transfer some or all of your existing holdings into a new Plan
Find investments – search Lightyear’s universe (or use your Watchlist) to add new instruments to the Plan
Creating a plan sets-by-step
You can always add or remove instruments later.
Step 2: Name your Plan
Give your Plan a clear, meaningful name, for example, Holiday Fund, Tech Stocks, or Long-Term Growth. We went for “Retirement Plan”:
Step 3: Turn on Auto-Invest (Optional)
To invest automatically, toggle Auto-Invest and choose:
Investment amount
Frequency (Weekly, Bi-weekly, or Monthly)
You can pause or edit Auto-Invest anytime.
Note: Only fractional instruments can be auto-invested into. Non-fractional ones can still be part of your Plan, but must be bought separately.
Step 4: Set allocations
Assign a percentage allocation to each instrument in your Plan, making sure the total equals 100%. These weightings determine how your money is distributed when you invest in the Plan.
Step 5: Review & confirm
Before finalising, review your Plan summary, including chosen instruments, allocations, and auto-invest details. If everything looks right, confirm to create your Plan. You’re all set!
Fees
ETF trading fee: €0 (FX & fund manager fees may apply)
Stock trading fee: 0.1% per trade (min. $0.1, max $1) for US stocks, £1 per trade for UK stocks, 1€ per trade for EU stocks
FX fee: 0.35% (for currency conversions)
Custody fee: None
Account opening fee: Free
Pricing for Plans is identical to Lightyear’s general pricing: transparent and competitive. There are no hidden or ongoing management fees.
Lightyear provides customer support through both in-app chat and email,. Users can easily reach the support team directly from within the app for help with account-related queries, technical issues, or investment questions.
In addition to direct support, Lightyear maintains a comprehensive Help Centre, offering detailed articles and FAQs covering a wide range of topics such as Plans and pricing, auto-investing, deposits and withdrawals, and account management.
Account Opening
Availability: EU and UK users (including Estonia and Hungary tax wrappers)
Account types: Personal Account, Business Account, and tax-wrappers like Stocks & SharesISA and Cash ISA (in the UK), TBSZ (in Hungary), Investeerimiskonto (in Estonia)
Minimum deposit: €1
Funding methods: Standing order or Lightyear cash balance
Base currencies: GBP, EUR, USD (FX fee of 0.35% for currency conversions)
The onboarding process is fast and fully digital.
What to know how to deposit step-by-step? Check this video!
The bottom line
Lightyear’s Plans feature combines the control of self-directed investing with the ease of automation, allowing users to create, fund, and manage their own portfolios effortlessly.
It’s not a robo-advisor, but rather a DIY automation tool for investors who already have a strategy in mind and want to execute it consistently and cost-effectively.
If you’re looking for an accessible, transparent, and flexible platform to manage your long-term investments, Lightyear Plans is an excellent option to explore.
Disclaimer: Terms apply. Investing means you can lose some or all of your money. If you are unsure what this means, please speak to a qualified financial adviser.. The provider of investment services is Lightyear Europe AS, regulated by the Estonian Financial Supervision and Resolution Authority (EFSA).
Lightyear has recently launched “Plans”, a highly requested feature that allows investors to personalise and automate their long-term investing - directly within the Lightyear app.
With Plans, users can create their own tailored set of stocks and ETFs, assign percentage allocations, and set up recurring contributions (weekly, bi-weekly or monthly). It’s an easy way to apply discipline and dollar-cost averaging to your investments, without needing to manually trade every month.
Lightyear Plans is best for investors who already have a clear idea of their preferred portfolio but want a simple, low-cost way to automate contributions over time, rather than a fully managed, advised solution (which is often more expensive).
On the downside, there are no pre-made portfolios (yet) or investment advice. Plans are fully self-directed. In that sense, Lightyear plans are not the “classic” robo-advisor where you’re assigned an investment portfolio - in this case you’ll have to create the portfolio by yourself.
💡 Exclusive Bonus: New users who sign up to Lightyear with the code INVESTINGINTHEWEB can get up to €100 in fractional shares to their Personal Account. Capital at risk. T&C apply. Minimum deposit €100. New users only. The reward lock-down period is 6 months.
That’s Lightyear Plans in a nutshell.
If you want to find out what our research team has to say after carefully analysing Lightyear’s new feature, keep reading. Here’s what we’ll cover:
Lightyear Plans review - Lightyear Plans Overview
Lightyear Plans Overview
Lightyear is a UK and EU-based investing platform founded in 2020, offering commission-free ETFs and low-cost access to over 6,000+ global stocks and ETFs.
Lightyear homepage
Lightyear operates in Europe through Lightyear Europe AS, which is authorised and regulated as an investment firm by the Estonian Financial Supervision Authority (Finantsinspektsioon) under activity licence number 4.1-1/31, the company has grown rapidly across Europe, focusing on transparency, accessibility and low fees.
In November 2025, Lightyear launched Plans, a feature that lets users group selected investments into mini-portfolios and, if they wish, turn on auto-investing.
Lightyear Plans page
Plans currently work within:
Personal ) and Business Accounts
Tax-efficient wrappers in Estonia (Investeerimiskonto) and Hungary (TBSZ)
ISA availability in the UK is coming soon
This service is execution-only, meaning users self-direct all investment decisions - Lightyear does not offer advice, model portfolios, or discretionary management.
“We are not acting as a Robo-Adviser regarding our Plans product as the service is execution-only (no advice) and self-directed by the customer.” Lightyear
Lightyear Plans review - Lightyear Plans Pros and Cons
Lightyear Plans Pros and Cons
Pros
Automated investing: Set recurring contributions (weekly, bi-weekly, or monthly) for long-term discipline.
Flexible and transparent: Edit allocations, amounts, or frequency anytime.
Fractional shares: Available for both stocks and ETFs (minimum €2/£2/$2 per instrument).
No ongoing or custody fees: ETFs are commission-free (fund manager and FX fees may still apply).
Low-cost stock trading: 0.1% per trade for US stocks (min. $0.1, max $1) £1 per trade for UK stocks and €1 per EU stocks
Available across the EU and UK: Works in Personal and Business Accounts; tax-wrappers for Estonia and Hungary.
Clean, modern interface: Intuitive design, mobile-first, and simple portfolio creation process.
Supports diversification: Combine equities, ETFs in one plan.
Goal-based investing: Users can name Plans according to personal goals (e.g., “House Fund” or “Retirement Growth”).
Exclusive offer: Sign up with code INVESTINGINTHEWEB to get up to €100 in fractional shares (terms apply). Minimum deposit €100. New users only. The reward lock-down period is 6 months
Strong financial backing: Lightyear recently secured $23M in a Series B round (total funding now $58M). It’s backed by top-tier investors and experienced founders.
Cons
Execution-only: No investment advice or recommended portfolios.
Not a classic robo-advisor: All allocations and instruments must be chosen by the user.
No automatic rebalancing (yet): Users must manually adjust allocations.
Recent, private company, with a short track record: but, unlike the US, this is a fact for most brokers in Europe.
Lightyear Plans Product Offer, Portfolios, and Investment Strategy
Lightyear Plans allow investors to create their own portfolios by selecting specific stocks and ETFs and assigning percentage allocations that total 100%.
You can:
Name each Plan based on its goal or purpose
Assign weights per instrument
Enable auto-investing with a chosen contribution and schedule
Edit or delete Plans at any time
For example:
“70% VWCE - Global Equity ETF” “30% Euro Government Bond ETF”
This creates a balanced, diversified portfolio that automatically receives new contributions, ideal for dollar-cost averaging and long-term consistency. Remember, investing means you can lose some or all of your money. If you are unsure what this means, please speak to a qualified financial adviser.
Here’s how it looks in the app:
Lightyear plans screenshot
On the downside, Lightyear does not provide pre-made portfolios or risk profiling questionnaires, as the feature is self-directed and purely executional.
Furthermore, the company also doesn’t offer products such as mutual funds, bonds, options, or crypto. If that’s what you’re looking for, you might need to find another alternative.
Still, we believe this selection of financial instruments fits most long-term, passive investors.
How to create a Plan
Step 1: Start a new plan
From your Portfolio screen, scroll to the end of your list of instruments and tap “Create a Plan.” You’ll then choose how you’d like to begin:
Move my investments – transfer some or all of your existing holdings into a new Plan
Find investments – search Lightyear’s universe (or use your Watchlist) to add new instruments to the Plan
Creating a plan sets-by-step
You can always add or remove instruments later.
Step 2: Name your Plan
Give your Plan a clear, meaningful name, for example, Holiday Fund, Tech Stocks, or Long-Term Growth. We went for “Retirement Plan”:
Step 3: Turn on Auto-Invest (Optional)
To invest automatically, toggle Auto-Invest and choose:
Investment amount
Frequency (Weekly, Bi-weekly, or Monthly)
You can pause or edit Auto-Invest anytime.
Note: Only fractional instruments can be auto-invested into. Non-fractional ones can still be part of your Plan, but must be bought separately.
Step 4: Set allocations
Assign a percentage allocation to each instrument in your Plan, making sure the total equals 100%. These weightings determine how your money is distributed when you invest in the Plan.
Step 5: Review & confirm
Before finalising, review your Plan summary, including chosen instruments, allocations, and auto-invest details. If everything looks right, confirm to create your Plan. You’re all set!
Lightyear Plans review - Lightyear Plans Fees
Lightyear Plans Fees
ETF trading fee: €0 (FX & fund manager fees may apply)
Stock trading fee: 0.1% per trade (min. $0.1, max $1) for US stocks, £1 per trade for UK stocks, 1€ per trade for EU stocks
FX fee: 0.35% (for currency conversions)
Custody fee: None
Account opening fee: Free
Pricing for Plans is identical to Lightyear’s general pricing: transparent and competitive. There are no hidden or ongoing management fees.
Lightyear Plans review - Lightyear Plans Safety and Reliability
Lightyear Plans Safety and Reliability
Lightyear Plans review - Lightyear Plans Customer Support
Lightyear Plans Customer Support
Lightyear provides customer support through both in-app chat and email,. Users can easily reach the support team directly from within the app for help with account-related queries, technical issues, or investment questions.
In addition to direct support, Lightyear maintains a comprehensive Help Centre, offering detailed articles and FAQs covering a wide range of topics such as Plans and pricing, auto-investing, deposits and withdrawals, and account management.
Availability: EU and UK users (including Estonia and Hungary tax wrappers)
Account types: Personal Account, Business Account, and tax-wrappers like Stocks & SharesISA and Cash ISA (in the UK), TBSZ (in Hungary), Investeerimiskonto (in Estonia)
Minimum deposit: €1
Funding methods: Standing order or Lightyear cash balance
Base currencies: GBP, EUR, USD (FX fee of 0.35% for currency conversions)
The onboarding process is fast and fully digital.
What to know how to deposit step-by-step? Check this video!
Lightyear Plans review - The bottom line
The bottom line
Lightyear’s Plans feature combines the control of self-directed investing with the ease of automation, allowing users to create, fund, and manage their own portfolios effortlessly.
It’s not a robo-advisor, but rather a DIY automation tool for investors who already have a strategy in mind and want to execute it consistently and cost-effectively.
If you’re looking for an accessible, transparent, and flexible platform to manage your long-term investments, Lightyear Plans is an excellent option to explore.
Disclaimer: Terms apply. Investing means you can lose some or all of your money. If you are unsure what this means, please speak to a qualified financial adviser.. The provider of investment services is Lightyear Europe AS, regulated by the Estonian Financial Supervision and Resolution Authority (EFSA).
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