True but as you canāt pay in any more than the max of Ā£32k / your annual income per year it would need to be drip fed in over x years dependent on your income ( carry forward rules notwithstanding )
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Ok @Tom88 letās say 300k targetā¦ Go goā¦
Thats coz we are all risk takers 
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For safety you could also have a LISA for another Ā£4k p/a @ 25%
Depending on circumstances, if in receipt of tax credits you could also use the Help to Save scheme to save Ā£2400 over 4yrs @ 25% (>12.5% p/a).
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If youāre lucky enough to be under 40 and only 10 years from retirement.
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The maximum under help to save over 4 years would be Ā£1200.00, plus you would need to be on a fairly low income to claim tax credits so HMRC could likely be quite interested in how Ā£100,000 came aboutā¦
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The maximum paid by the government is Ā£1200 but the maximum investment is Ā£2400 over 4 years.
The hypothetical individual @Optimisery is enquiring about could reasonably be on tax credits and have won Ā£100,000 on the lottery. If you can get a guaranteed >12.5% with 100% safety (?) for a portion of your investment then I would think it worth enquiring as to eligibility.
Iām not sure exactly what the percentage p/a is though, because you would gain 12.5% average over the 4 years on the maximal sum in the account at the end of each 2 years but are only allowed to pay in a maximum of Ā£50 a month. I expect some clever person on here could work it out, but in the mean-time, the money not yet invested could be earning elsewhere until it was required for investment in Help to Save.
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