Helping you grow a nest egg for your child
Our Child Trust Fund (CTF) is a tax-efficient way to invest for your child over the long-term.
A CTF lets you access the stock market through our range of investment trust options. The current yearly allowance which begins on your child’s birthday is £9,000.
You can’t open a new CTF because it has been replaced by the Junior ISA. You can transfer an existing CTF to BMO.
Managing your existing account online
Our investor portal offers a quick and easy way to manage your existing CTF. You can set-up a monthly direct debit or invest a lump sum using your debit card. You can also check the current value of your CTF and change the funds you’re investing into.
Why transfer to a BMO Child Trust Fund?
What happens to a CTF when it matures?
Parents of CTF holders
Find out what options are available to your child once they reach the age of 18.
Turning 18 soon
Find out what options are available to you as you near your 18th birthday.
Invest in a BMO Child Trust Fund through our 10 investment trusts
With a BMO Child Trust Fund you invest through our diverse range of Investment Trusts. Our 10 investment trusts provide a range of investment opportunities, including access to equities, bonds, property and private equity.
Each trust has different goals and strategies. You can select a trust that aims for capital growth, income, or both. Some have a specific regional focus, while others take a global approach.
How to transfer your CTF to BMO
Whilst no new CTF’s can be opened, transferring an existing CTF to a BMO is easy. Get all the information you need about how to transfer.
A cost-effective way to invest
Invest from as little as £10 for a CTF Stakeholder and £25 for a CTF Shares account with no dealing charges.
There’s a fixed rate annual charge of £25 + VAT for the BMO CTF Shares account and a 0.7% charge on the value of your account for the CTF Stakeholder account. Government stamp duty of 0.5% applies on purchases of UK shares.
Got questions about the BMO Child Trust Fund?
*CTF Shares account only.
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.