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    • Home • Advice • Common questions

    Can I open or transfer to a Stocks & Shares LISA if I'm over 40?

    13 April 2026

    Question by Boring Money reader

    Can I open or transfer money to a stocks and shares Lifetime ISA if I'm over 40? I already have a cash LISA from previous tax years.

    Answered by

    You can't open a new Lifetime ISA after age 40, and you can't pay new money into one once you're 50. However, if you already have a LISA — including a cash LISA- you can usually transfer it to a Stocks & Shares LISA with a new provider, subject to their rules.

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    Important stuffHolly and the team have worked in the finance industry for many years but we are not regulated to give you personal financial advice. For every story on this website about a good investment, or something which went up by 10% or made someone £200, we could also share a story about a bad investment, something which fell in value or lost someone £200. We aim to provide general information and pointers – and btw we are totally agnostic about which providers you might pick – but if you have complex affairs, want personalised advice or need specific recommendations, please look at advice pages and see if regulated digital or traditional financial advice would be the best solution for your needs. Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.
    InformationHistorically, money invested for more than five years grows more than cash savings. Remember that investments can also fall, so you might not get all of your money back. Tax treatment depends on individual circumstances and may change.
    Boring Money Ltd is a limited company registered in England and Wales under registration number 09459832 and we have our registered office at 10 Lower Thames Street, London, England, EC3R 6AF.