Make big plans for the future

So life lives up to your expectations

Our ISA products

Investment Trust ISA

A popular, tax-efficient way to invest. There’s no tax to pay on any income you earn, and you can create an investment portfolio that’s right for you.

  • Invest in the long-term potential of the stock market
  • Access all 10 of our investment trusts
  • Tailor it to suit your needs
  • Flexible investment options
Junior ISA

A popular replacement for the Child Trust Fund, offering simple tax-efficient investments. The investment is held for them until their 18th birthday.

  • Invest in the long-term potential of the stock market
  • Access all 10 of our investment trusts
  • Invest with as little as £1 per day
  • The whole family can invest

Annual charge

£60 + VAT

Annual charge
£25 + VAT

Dealing charge
0.2% on all sales and purchases

Dealing charge
£12 postal instructions £8 online instructions

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

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

Investing in a BMO ISA

What does your future look like? A dream car, helping your family buy their first home or maybe enjoying your retirement to the full?

Whatever you’re planning, it simply makes sense to invest and a really effective way of doing this is through an Individual Savings Account, or ISA. For as little as £50 a month you can invest in your goals and help make life live up to your expectations.

By utilising your full ISA allowance you’re giving your money the best growth potential to help you achieve those dream goals. This year’s ISA allowance is £20,000 and cannot be carried over after the 5th April when the current tax year ends. Investing early in the tax year gives you plenty of options, like spreading your investment over the course of the year through direct debits or topping up in lump sums.

Investments carry risk and the value of your investments can go down as well as up.

What is a stocks and shares ISA?

An Individual Savings Account, or ISA, is an account that acts as a wrapper to hold a range of different investments. The right ISA for you depends on your goals and your attitude towards risk.

A stocks and shares ISA allows you to invest up to £20,000 in the 2019/20 tax year and at the same level in the next tax year.

This tax-efficient investment plan lets you tap into the potential of the stock market and the skills of our fund managers to potentially help your investments grow over the long-term.

What our stocks and shares ISA offers you:

  • Tax-efficient investing
  • Flexible to your needs
  • Simplicity
  • Invest with as little as £50 per month per trust or £500 up front

Let’s talk about risk

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.

The strength of BMO Financial Group

Established in 1817, BMO Financial Group is a diversified financial services provider based in North America. With a total of 


in assets (CAD)




as of 31 January 2019

Why investment trusts?

An investment trust is a collective investment that lets you invest in a range of different assets. The trust is set up as a limited company, issuing a fixed number of shares that are traded on the London Stock Exchange. When you become an investor, you also become a shareholder in that company.

Investment trusts are designed to generate profits for shareholders by investing in the shares of other companies. Your money is pooled with other investors, so even a small amount of money will give you access to a range of professionally managed, diversified investments. A single share in an investment trust really does open up a whole world of opportunities.

Find out more about our 10 Investment Trusts.

Our Awards

Past performance should not be seen as an indication of future performance.

Best ESG Research Team

Investment Week, Sustainable & ESG Investment Awards 2018

Best Investment Trust
(F&C Investment Trust)

Investors Chronicle – Investment and Wealth Management Awards 2018

Best Children’s Investment Provider – BMO

What Investment, Readers’ awards winner 2017

Got questions?

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Email us at

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This section of the website is directed at persons who are located in the UK. Please read our full terms and conditions and the relevant Key Information Documents (“KID”) before proceeding with any investment product referred to on this website. Nothing on this website is, or is intended to be, advice to buy or sell any investments. If you are at all unsure whether an investment product will meet your individual needs, please seek advice.

Confused? Our handy glossary can help explain investing terms.