2024/25年,英国储蓄者从《国内安全法》终身提款中支付102亿英镑的罚款,而不是用于住房或退休。 UK savers paid £102M in penalties from Lifetime ISA withdrawals not for homes or retirement in 2024/25.

联合王国储蓄者在2024/25年度面临1.02亿英镑的终身《国际审计准则》提款费,比上一年的7 530万英镑有所增加,原因是为购买第一所住房或退休以外的原因提取资金。 UK savers faced £102 million in withdrawal charges from Lifetime ISAs in 2024/25, up from £75.3 million the previous year, due to funds being taken for reasons other than buying a first home or retirement. 终身ISA允许每年节省多达4 000英镑,政府奖金为25%,但对未经授权的提款者则处以25%的罚款。 The Lifetime ISA allows annual savings of up to £4,000 with a 25% government bonus, but a 25% penalty applies for unauthorized withdrawals. 尽管2023/24年ISA投资总额达到创纪录的1 300亿英镑(由高利率和ISA的普及现金驱动),但专家警告LISA的复杂规则可能会抑制长期储蓄和要求改革,包括降低提款费和简化系统。 Despite record £103 billion in total ISA investments in 2023/24—driven by higher interest rates and cash ISA popularity—experts warn the LISA’s complex rules may discourage long-term savings and call for reforms, including lowering the withdrawal charge and simplifying the system.