BMO Junior Investment Account

As children grow so can their savings

This plan is an easy and tax-efficient way to invest in the global stock market for the child in your life.

It provides an affordable way for parents and grandparents to build a savings pot for their little ones without any investment limits. A great option if you’ve already maxed out a Junior ISA or CTF. Unlike our other two children’s plans you decide when to gift the money to them.

Any funds accrued in the Junior Investment Account are also free from inheritance tax. 

Why choose a BMO Junior Investment Account?

Benefit from our expertise

We can trace our investment roots back to 1868, when F&C Investment Trust, the world’s oldest collective investment fund launched, and have been adding to our offering ever since.

Let’s talk about risk

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.

BMO Asset Management Limited is authorised and regulated by the Financial Conduct Authority and assets are protected by the  Financial Services Compensation Scheme.

Invest in a BMO JIA through our 10 investment trusts

With a BMO Junior Investment Account 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 aims 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.

Please see the Key Information Documents (KIDs) for further details on the risks for each trust. View the latest performance of our Investment Trusts.

A cost effective way to invest

Invest from as little as £25, with no dealing charges on investments made by a monthly direct debit. One-off contributions, sales and switches can be made online without any dealing charges. If you need to send instructions via post, there will be a £12 charge for each fund selected.

There’s an annual charge of £25 + VAT for the BMO Junior Investment Account and Government stamp duty of 0.5% applies on purchases of UK shares.

Make sure you read the pre-sales costs disclosure before you invest.

Annual account charge

How can I open a BMO Junior Investment Account?

Investing in a BMO JIA is straightforward.

Choose the investment trust(s) that best suits your investment needs and finally, decide how much to invest. Please make sure you read the Key Features and Terms & Conditions, the relevant Key Information Document and Pre-Sales Disclosure documents.

Our investor portal is the quickest and most cost-effective way to invest. You can set-up a monthly direct debit or invest a lump sum using your debit card. Alternatively, you can download an application form and send it into us.

Our Stocks & Shares Junior ISA

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More information

The Key Features gives full details about how the BMO JIA works and you should read this before investing.  However, here are the answers to some questions you may have if you are considering opening a BMO JIA.

What's the maximum I can invest?
Who can manage the account?
Who can open the account?

Anyone can open a JIA, not just the child’s parents.

Got questions about the BMO Junior Investment Account?

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.