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## Planning Investments for Future Moves

Hello community, I (37F) have been living in the UK for the past 10 years and only recently opened an ISA. I wish I had done so sooner, considering the benefits it offers.

However, due to possible changes in work and family circumstances, I may need to relocate back to my home country in the coming years. Although I am uncertain of the timeline, I do plan to retire in Italy eventually.

Currently, my investments are held on an online platform without utilizing ISAs, except for a cash ISA opened last year. I am considering opening a Lifetime ISA (LISA) and a Stocks and Shares ISA in the near future and continuing to contribute, even if I may not be a UK resident for a period.

The question is, would it still be beneficial to open ISAs in my situation? I am aware that non-residents cannot contribute to ISAs, but with the possibility of moving back and forth between Italy and the UK, I am unsure of the best long-term strategy.

Would you recommend opening a LISA and Stocks and Shares ISA regardless, leaving them untouched during non-resident periods, or should I stick to the existing cash ISA?

Additionally, I recently obtained British citizenship, which may have implications on my financial planning.

Thank you for any advice you can provide.

### How AI Legalese Decoder Can Help

AI Legalese Decoder can assist in understanding the legal requirements and implications of contributing to ISAs as a non-resident. It can provide clarity on the rules surrounding ISAs and offer guidance on the best course of action based on individual circumstances. By utilizing AI technology, individuals can make informed decisions regarding their investments and financial planning, even in complex situations involving international relocation.

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