I’m ready to make an election

Only when you reach 18 are you able to make an election on your account. From your 18th birthday, your Child Trust Fund will turn into a matured CTF account, meaning it will have the same benefits and charges as before, but it will be closed to any new investment. The matured CTF will remain the same as before until you tell us what you want to do with your investment.

One of the things you’ll need to do when you make an election is prove your identity and where you live. This is an important step to make sure that we know who you are and that only you have access to the funds that have built up for you. You can’t take money out of, or add money into, an account until you’ve done this.   

You may also want to send us proof of your bank details. This allows us to make future withdrawals directly into your bank account and/or set up future regular investments from that account.

If you haven’t already done this, you can find more details here.

You have a number of options for the money that’s been invested for you, these are: 
  • Continue investing with BMO through an ISA/GIA or transfer to another provider 
  • Withdraw your investments
  • Do nothing and remain in a matured CTF (no new investments can be made)

If you need more information on any of these you can visit our ‘what are my options‘ page. If you’ve made your decision on what you want to do with your investments, click the button below to download our ‘CTF Maturity Election’ form, fill it in and return it to us. Please note we cannot accept an instruction from you until you have reached 18 and your account has matured. 

Got questions?

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“I was completely happy with the entire process your colleague was very clear. I had no unanswered questions so thank you very much.”

John, London

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.

Confused? Our handy glossary can help explain investing terms.