The present invention provides, among other things, compositions and methods of formulating nucleic acid-containing nanoparticles comprising no more than three distinct lipids components, one distinct lipid component being a sterol-based cationic lipid. In some embodiments, the present invention provides compositions and methods in which the lipid nanoparticles further comprise helper lipids and PEG-modified lipids. The resulting formulation comprises a high encapsulation percentage for nucleic acids.La presente invencion proporciona, entre otras cosas, composiciones y metodos para formular nanoparticulas que contienen acidos nucleicos que comprenden no mas de tres componentes de lipidos distintos, un componente lipidico distinto que es un lipido cationico basado en esteroles; en algunas modalidades, la presente invencion proporciona composiciones y métodos en los cuales las nanoparticulas lipidicas comprenden ademas lipidos auxiliares y lipidos modificados con PEG; la formulacion resultante comprende un porcentaje de encapsulacion alto de acidos nucleicos.