Are you sure? Their images on the App Store would suggest otherwise!
Lightyear does allow fractional shares. I can confirm this!
There UI is one of the reasons I moved my GIA from T212 to Lightyear as its really nice and easy to use and very easy to learn.
I highly reccomend it!
Real shame. If the ISA allowed fractional ETFs Iād be on there!
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Yeah, otherwise the app is actually really nice to navigate.
A decent amount havenāt paid into it for that long or much at all.
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Whilst the people paying into the system now are being told not to rely on state pension being available to them. Also I would posit that they paid into a system that was paying out the pensions/benefits of those that were retired then. Itās the current workers that are paying into the system the money that is paid to the current pensioners.
Itās probably not a good idea to get into this as I have very strong feelings about it which will likely not endear me to you or others 
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Iām not sure that many platforms offer fractional shares for ETFs inside an ISA. In a general investment account, no problem. The alternative is mutual funds, but not all platforms trade these.
Itās a real can of worms this subject.
Itās clear the triple lock isnāt sustainable.
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German young workers are campaigning for their pension reform, so they could have the āSingaporean modelā, meaning the current workers pay and save for their own generation, reducing dependence on ānext generation of workers".
Many European social contracts are no longer sustainable. I dread the idea of being priced out of my own retirement while the current OAPs are getting more than what they paid into the system their whole life.
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Out of interest who is telling people that? I donāt think thatās an official position? Just unofficial guessing?
Yes, I worry about that too. The system needs reform to make it sustainable but letās hope itās done in a measured way, with the changes starting for who are just starting work and not those who have been effectively paying towards their state pension for decades.
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I donāt like there is an official position but simply that weāre an aging population and the state pension comes out of current taxation. There will reach a point where those paying in, canāt meet the demand of pension payments. Hence reform is needed
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Yeah, not an official position, but itās very unlikely that the state pension will be as is it now by the time my/our generation retire. Itās been something that has been talked about by people for years now. Itās not really a new thing. It was one of the things that was mooted as a reason for mandating workplace pensions etc.
The problem is that when the pension started there were about four workers for every retiree. Now itās more like two and heading for one. What they should have done is to build a fund by charging more NI and they need to work towards a funded scheme.
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Thatās because until last year, ISAs werenāt allowed to have fractional shares. T212 and some others just did it anyway and HMRC have changed the rules. I suspect other platforms will support them in the next year or two.
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Agreed and hopefully others will change to allowing fractional shares.
Iām waiting for FreeTrade to allow for mutual funds on their free account
Oh yeah, this is 100% a thing that needs reform. But there is no way while boomers make up such a huge proportion of voters that any government will do anything about it. So their meal ticket continues. Itās like the utter farce over the winter fuel allowance. Nearly anyone I knew who was getting it said they didnāt need it and gave it to family or charity instead. The way it was re structured those that truly needed it would have still had it. But it was turned into a huge wedge issue by papers etc. anything related to pensioners is instantly weaponised and itās the rest of the tax paying public thst suffer the most from it.
Anyway, thatās the last on anything political Iām going to say now. 
Happily the shares I chose to start off in T212 seemed to do well by the end of the week. So Iām pretty happy with my first few days on the platform. Not sure Iām overly fussed by all the social features though beyond the pies thing. Which just seems like community made ETF-lites?
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The boomers arenāt on a meal ticket. They paid rather a lot of money to the system over the years itās just sad that none of it was invested.
Winter fuel was paid to everyone because it was much cheaper to operate the system like that than to make it means tested.
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