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Best: Lifetime ISA

Whenever you put money into a Lifetime ISA (or LISA), the government contributes an additional 25%. You can put in up to £4,000 each year, up until you turn 50. That means, if you opened your Lifetime ISA at the age of 18 and put in the maximum every year, you'd get £33,000 from the government on top of your savings.

The bonus is deposited into your Lifetime ISA at the end of each tax year, and you can either use it to buy your first home or save it till you retire.

There are lots of different Lifetime ISA providers on the market, and it can be tricky to decide which one's best (it's not all about the interest rate).

To find the best one for you, read the Smart Money People community's Lifetime ISA reviews below.

If you've already got a Lifetime ISA, we'd love to know what you think of it. Leave a review below.