CT Lifetime Individual Savings Account

What is a Lifetime ISA?

A Lifetime ISA can be opened by people aged 18 to 39 to help towards a first home or retirement. With a Lifetime ISA, you can invest up to £4,000 each tax year and the government will give you a 25% bonus up to £1,000.

It acts as a wrapper to hold a range of different investments. The right Lifetime ISA for you depends on your goals and your attitude towards risk.

Why choose a CT Lifetime Individual Savings Account?

Here are some more reasons to choose CT for a Stocks and Shares ISA. Select the links below to find out about them.

Benefit from our expertise

Our experienced fund managers make informed investment decisions for you. We invest in a range of equities, bonds, property and private equity and have been helping customers since 1817.

Investment trust options

Whether you're looking for growth or income, join over 100,000 UK Investors and create an investment portfolio that meets your needs with our 10 Investment Trusts.

Tax-efficient investment

When you invest with a stocks and shares Lifetime ISA you don’t pay any additional income tax or capital gains tax on any investment profits you may make.

Let's talk about risk

There’s an element of risk involved with a Lifetime ISA. The value of your investments can go down as well as up and you may get back less than you originally put in. You need to be aged between 18-39 and be a UK resident, and you should consider this as a longer-term investment. Tax allowances and the benefits of tax-efficient accounts are subject to change and tax treatment depends upon your individual circumstances.

Any withdrawals made from your Lifetime ISA that are not for an eligible house purchase or retirement when you are 60 years old will incur a Government withdrawal charge of 25% which means you could get back less than what you put in

Invest in a CT Lifetime Individual Savings Account through our 10 Investment Trusts

Choose a CT Lifetime Individual Savings Account to invest in our diverse range of Investment Trusts. Your money is pooled together along with other investors’ money in one big pot known as a fund. A fund manager then buys shares or assets with the money. Our 10 Investment Trusts provide a wealth of investment opportunities, including equities, bonds, property, and private equity.

Each Trust has unique goals and strategies. Choose a Trust focused on capital growth, or aim for income, or one that covers both. Some invest in regional companies, while others take a global approach, and invest in companies all over the world.

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

What will it cost me?

  • Annual charge – £60 + VAT or £25 + VAT for those who are transferring from a matured Child Trust Fund
  • Dealing charge – £0 on sales and purchases made online, or £12 per fund for those completed by post
  • Government stamp duty of 0.5% applies on purchases of UK shares only

Make sure you read the pre-sales costs disclosure and Key Information Document (KID) before you invest.

How can I open a CT Lifetime Individual Savings Account?

Investing in a CT Lifetime Individual Savings Account is straightforward. If you have a Child Trust Fund with us, you can open an account using our election hub.

Got questions about the CT Lifetime Individual Savings 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.