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Combined with tax-free growth and emerging markets potential, it becomes a powerful long-term tool. Changes are coming though, so now may be the time to act.
 

Government support for long-term investing

If you’re aged 18 to 39, you can invest up to £4,000 a year in a Lifetime ISA and receive a 25% government bonus – up to £1,000 annually.

That’s a significant boost to your savings – a benefit not offered by other ISA products.

Investments then grow free from UK income tax and capital gains tax, whether you’re saving for a first home – where the average deposit is now around £60,000 – or building retirement wealth.

It’s one of the most generous tax wrappers available. However, tax efficiency alone may not be enough for everyone. For some, combining it with exposure to growth assets such as emerging markets can form part of a longer-term strategy.

Why emerging markets deserve a place

Emerging markets – economies such as China, India, Brazil, Taiwan, and South Korea – account for around 65% of global growth. They are home to many world-class companies shaping the modern economy, from semiconductor leaders and electric vehicle manufacturers to digital platforms and financial services groups.

Over the years it can take to build a house deposit, that could be the growth opportunity that makes the difference. Inside a Lifetime ISA, exposure to these markets can become a powerful engine for building value alongside the government bonus.

The ISA tax shield: Capture emerging markets growth – not a tax bill

Maximise your ISA before the 5 April deadline.

Find out more

Accessing that growth with TEMIT

Templeton Emerging Markets Investment Trust (TEMIT) invests in 60–80 companies across emerging economies, backed by more than 35 years of experience and on-the-ground research.

Through TEMIT, your Lifetime ISA can access companies shaping the future of the global economy – all within a single, professionally managed investment. TEMIT’s long-term performance record is available to view at Templeton Emerging Markets Investment Trust - TEMIT.

 

A window of opportunity?

Lifetime ISAs exist under today’s rules, but they may change from 2028. That means the benefits available now – including the 25% government bonus on contributions – may not remain exactly as they are. In simple terms: if you’re eligible, using it now secures what’s currently on offer.

That doesn’t mean everyone should rush in. Whether a Lifetime ISA is right for you depends on your goals – particularly if you’re saving for a first home. But if a LISA fits your plan, using this year’s allowance ensures you benefit from the current rules while they remain in place.

IMF, WEO, October 2025

How to Invest with Us

Shares in TEMIT qualify as an investment which can be held through an ISA. TEMIT is available through a stocks and shares ISA from a number of different companies. As individuals’ financial circumstances will differ, we recommend you talk with a qualified financial adviser regarding the options available to you before making investment decisions.

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What are the key risks?

The value of shares in the Templeton Emerging Markets Investment Trust PLC (TEMIT) and any income received from it can go down as well as up and investors may not get back the full amount invested. There is no guarantee that TEMIT will meet its objective. TEMIT invests in equity securities of emerging markets companies. Emerging markets have historically been subject to significant price movements, often to a greater extent than more established equity markets. Performance may also be affected by currency fluctuations.

As a result, the share price and net asset value of TEMIT can fluctuate significantly over relatively short time periods. Other significant risks include borrowing risk, derivative instrument risk and share price discount to NAV risk. Past performance is not an indicator or a guarantee of future performance.

For more details of all the risks applicable to TEMIT, please refer to the Key Information Document, Investor Disclosure Document and the risk section in TEMIT’s Annual Report, which can be downloaded from our website www.temit.co.uk/resources/literature.

Important Information

This article is intended to be of general interest only and does not constitute legal or tax advice nor is it an offer for shares or invitation to apply for shares. Nothing in this document should be construed as investment advice. Opinions expressed are the author(s) at publication date and they are subject to change without prior notice.

Subscriptions to shares in TEMIT can only be made on the basis of the Investor Disclosure and Key Information Documents, accompanied by the latest available audited annual report and the latest semi-annual report if published thereafter.

Any research and analysis contained in this article has been procured by Franklin Templeton for its own purposes and is provided to you only incidentally. Data from third party sources may have been used in the preparation of this article and TEMIT has not independently verified, validated or audited such data. References to particular industries, sectors or companies are for general information and are not necessarily indicative of TEMIT’s holding at any one time. References to indices are made for comparative purposes only and are provided to represent the investment environment existing during the time periods shown. An index is unmanaged, and one cannot invest directly in an index. They do not reflect any fees, expenses or sales charges. Important data provider notices and terms are available at www.franklintempletondataresources.com.