How to invest

When BMO started over 200 years ago our goal was to bring the potential benefits of investing to more people.

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.

New Investor?

Opening an account with BMO is straightforward.

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 risks involved in investing in our investment trusts.

Decide on the amount you would like to invest

You can invest monthly, in lump sums or a combination of both.

Make sure you’re happy to go ahead and be sure to read

Before you invest

Tax allowances and the benefits of tax-efficient accounts are subject to change and tax treatment depends upon your individual circumstances. As with all investments, the value can go down as well as up and you may not get back the original amount invested.

Before investing, please make sure you have read the Key Features and Terms & Conditions for the savings plan you have selected and the relevant Key Information Document/Pre Sales Disclosure documents.

*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.

Existing Investor?


As you’re already investing with us you’ll already know about the benefits of investing with us. And because we have 150 years of investment experience, you can be sure your money is working hard for you.

But there still may be a way to make even more of your investments, for example by topping up your ISA or Junior ISA to the annual limit.

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.

Remember investing involves risks and you may not get back the original amount invested.

By post

Download, complete and return one of the application forms to:

BMO Asset Management Limited,
PO Box 11114,
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 charge

ISA – 0.2% on sales and purchases

JISA, JIA and GIA – Lump Sum Investment / Sales: post £12, online £8

CTF – no dealing fees

Stamp Duty

Government stamp duty of 0.5% also applies on purchases of UK shares

This does not apply to CTF Stakeholders

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 start with an investment of as little as £50 a month per trust, pay in a lump sum or set up a monthly direct debit.

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.