BMO Investment Plans

Our Investment Plans

Building an investment portfolio can help you realise your long-term financial goals. Whether you want a nest egg for retirement, repay a mortgage early, cover university costs for your children, or even travel the world, BMO could have the right plan for you.

Individual Savings Account (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 up to £20,000 in the 2020/21 tax year.
  • No income tax or capital gains tax on any profits made.
  • Annual charge – £60 + VAT
Junior Individual Savings Account (JISA)

A popular alternative to the Child Trust Fund offering simple tax-efficient investments. The money is held until the child’s 18th birthday.

  • Invest up to £9,000 in the 2020/21 tax year.
  • No income tax or capital gains tax on any profits made.
  • Award-winning BMO Junior ISA
  • Invest with as little as £1 per day
  • Annual charge – £25 + VAT
General Investment Account

A great way for long-term investors to benefit from the potential of the stock market. Offers flexible investment options with no annual limit.

  • No investment limits
  • Great option if you’ve already maxed out an ISA.
  • Annual charge – £40 + VAT
Junior Investment Account

An affordable way to invest in the global stock market for the child in your life. Offers flexibility to gift money at any time.

  • No investment limits
  • Great option if you’ve already maxed out a Junior ISA or CTF.
  • Funds accrued are free of inheritance tax.
  • Annual charge – £25 + VAT
Child Trust Fund*

A tax-efficient investment account created to help you save a nest egg for the child in your life. You can transfer your CTF to us or switch to a Junior ISA.

  • Invest up to £9,000 per birthday year.
  • No income tax or capital gains tax on any profits made.
  • Invest with as little as £1 per day
  • Annual charge – £25 + VAT

*New CTF accounts cannot be opened

Risks of investing

The value of your investments and any income from them can go down as well as up and 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.

Why choose BMO

An ethical approach

We’ve been managing money for 150 years for a wide range of customers and we know that peace of mind is important to you and your family, so we’ve designed a range of investment plans with the aim of fulfilling varying investment objectives and attitudes to risk.

Team of experts

With over 20 offices in 14 countries around the world, our people can combine global and local knowledge to help you achieve your investment goals.

Our awards

We’re delighted to have won the ‘Best Children’s Investment Provider’ for the 8th year in a row, as nominated by the readers of What Investment magazine.

Introducing the BMO UK App

We’re excited to announce the launch of our brand new app. Search ‘BMO UK‘ on the App Store or Google Play Store to give you access to all of the below from your mobile or tablet:

  • View valuation and summary of accounts held
  • Retrieve account and fund information
  • View transaction history
  • View account cash holdings and balances
  • View remaining ISA/JISA subscription allowances
  • View primary contact details

Got questions?

Frequently Asked Questions

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.