CT Individual Saving Account

Tax efficient saving. Open or switch your ISA today.

Individual Savings Account (ISA) explained

An ISA allows you to invest tax-efficiently up to £20,000 in the 2024/25 tax year. An ISA is an account that acts as a wrapper to hold savings or investments. At Columbia Threadneedle, we offer a stocks and shares ISA.

The right ISA for you depends on your goals and your attitude towards risk. The CT ISA 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.

Reasons to choose Columbia Threadneedle for your Stocks and Shares ISA

No online dealing charges

Investments using our Investor Portal mean you won't pay dealing charges. Government stamp duty and Annual Management Charges apply.

Benefit from our expertise

We can trace our investment roots back to 1868 when F&C Investment Trust started.

Responsible Investing

We've led the way in responsible investing for over 35 years, engaging with 5,500 companies we invest in to ensure ESG is a key consideration.

Investment Trust options

Whether it's growth or income you're looking for, our range of investment trusts could meet your investment needs.

Getting started is easy

3 steps towards
your goals

Choose a savings plan

Select the savings plan that's right for you.

Choose your strategy

Choose which of our investment trusts you would like to invest in.

Invest in your future

Decide how much you'd like to invest. Starts from £25 per month or £100 lump sum.

Let's talk about risk

There’s an element of risk involved with a stocks and shares investment 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 18 or over 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. Columbia Threadneedle Management Limited is authorised and regulated by the Financial Conduct Authority and assets are protected by the  Financial Services Compensation Scheme.

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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 £60 + VAT for the CT ISA 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.

Transferring your ISA to Columbia Threadneedle Investments

Switching your ISA to us is easy, all you need to do is complete a transfer form and we will take care of the rest. The process can take between four and six weeks.


If you’re looking to transfer money you’ve invested in an ISA during the current year, you must transfer all of it. 


For investments you’ve made in previous years, you can transfer some or all your savings.

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Invest in a CT ISA through our investment trusts

With a CT ISA you invest through our diverse range of Investment Trusts. Our 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.

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Manage your investments on
the go

Manage your investments on the go

With our App you can:

– Make changes to your investment choices
– Add cash to invest later, or withdraw cash
– Make lump sum investments

Search 'CT UK' to download the app

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Invest now

Columbia Threadneedle offer a range of Savings Plans designed to make investing easy.
Start from £25 a month or one off £100, and there are no charges when you deal using our Investor Portal.

Top 5 frequently asked questions

Can I have more than one ISA?
Who can make contributions to my ISA?
Can I transfer proceeds from my General Investment Account into my ISA?
How do I make a top-up payment into my account?
What proof of bank/building society details can you accept?
What do you mean by tax-efficient?
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.