How to invest
with BMO
ISA Deadline - 5 April 2022
Today we think investing is more important than ever and our range of plans and trusts are designed to help you reach your investment goals, whatever they are. At BMO, our aim is to help our clients overcome the challenges they face and deliver the investment outcomes they seek. This ambition isn’t new. We can trace it through a heritage that spans back 200 years and includes the launch of the world’s oldest collective investment fund – F&C Investment Trust, launched in 1868. Whether you are a new or returning customer, all the information on how to invest can be found below.
Managing your money
We’ve been managing money for over 200 years for a wide range of customers and we know peace of mind is important to you and your family. Our investment trusts have different strategies and aims meaning you can create an investment portfolio to meet your requirements.
If your circumstances and needs change over time you can switch between trusts as and when you need to, subject to applicable charges.
You can invest from as little as £25 per month or a lump sum of £100.
New Investor?
Investing with BMO is simple, but there are a few decisions to make before you open an account.
Choose an investment plan
Investing for children
Choose from our 10 investment trusts
Decide whether to invest for income, growth or a combination of the two and whether you want to invest in property, within the UK and Europe or globally.
Consider your risk appetite and ensure you are comfortable with the risk that comes with investing.
Decide on the amount you would like to invest
- You can invest with regular monthly payments by setting up a direct debit
- Invest in lump sums
- Or a combination of regular direct debit and lump sums
Make sure you’re happy to go ahead and be sure to read
- Our Terms & Conditions, Privacy Policy and Key Features documents
- The Pre-sales cost disclosures related to the product you are applying for
- The Key Information Documents (KIDs) for the investment trusts you are investing into
All of our investment plans involve a level of risk and the value of your investments can go down as well as up. The level of risk will depend upon the underlying investments that you choose to hold in the plans. You need to be comfortable that you may not get back the original amount invested. Tax allowances and the benefits of tax-efficient accounts are subject to change and tax treatment depends upon your individual circumstances. *Please note a new CTF cannot be opened, however you can transfer an existing Child Trust Fund to a BMO Child Trust Fund or a BMO Junior ISA.
How to open an account with BMO
Online
Invest online in a few simple steps, using our Investor Portal. The Investor portal allows you to invest, switch funds, view valuations, make lump sum withdrawals and other admin tasks.
You’ll need to be a UK resident, have your national insurance number to hand and your payment card details to get you started.
Once you’ve set up your account you can view your transactions, valuations and much more via the ‘BMO UK‘ app.
By post
If you are unable to invest online you can still apply by post (Dealing charges may apply).
Download, complete and return the relevant application form(s) to:
BMO Asset Management Limited,
PO Box 11114,
Chelmsford,
CM99 2DG
Existing Investor?
How to top up your existing account
Online
Investing online is the easiest and most cost-effective way to top up your plan.
If you’re registered for online access, simply log in and top-up. If you don’t currently have access to view your accounts online, click here to download our guide on how to do so.
By post
If you are unable to invest online you can still top-up by post (Dealing charges may apply).
Download, complete and return the relevant application form(s) to:
BMO Asset Management Limited,
PO Box 11114,
Chelmsford,
CM99 2DG
Our Fees explained
Annual charge
Our annual product (e.g. ISA) charge is fixed – no matter how much, or how many times you top up your investment (Dealing fees and stamp duty still apply).
Dealing charges
There are no dealing charges for regular contributions made by direct debit.
Investment instructions made through our Investor Portal also have no dealing charge. If you need to instruct us by post, there’s a £12 dealing charge per fund selected for ISA, JISA, JIA, GIA accounts.
Stamp Duty
Government stamp duty of 0.5% also applies on purchases of UK shares
This does not apply to CTF Stakeholders
Invest with a broker
You can invest through a broker, or through a wide range of companies, including:
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.